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128 Main St, Oxford, MA, 01540

7beds
2baths
3,625sqft
$311,000
$86price/sqft
$2,736/moest. monthly cost
$109,440/yrincome needed

About This Home

Property will be included the next Auction. Buyers must sign up and place bids though www.xome.com. All auction properties are subject to a 5% buyer s premium pursuant to the Event Agreement and Auction Terms & Conditions minimums will apply . Buyers and buyers' agent to verify any and all info. Large two story home located in Oxford with seven bedrooms and 2-3 bathrooms. Property has a large maintained backyard and a very large 4 car garage. Property has a in-law apartment on the second floor and the property is located close to Rt. 395. Property needs updating and some finishing. Property is perfect for a large or blended family. Perfect for investor or project home.

Getting Around

12
WalkingCar-Dependent
0
TransitVery Limited Transit
29
BikeSomewhat Bikeable

Schools

4/10
Oxford Middle SchoolGrades 5-82.7 mi
4/10
Oxford High SchoolGrades 9-122.8 mi

Construction

Condition

  • Year built: 1920

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Bedrooms & Bathrooms

  • Bedrooms: 7
  • Bathrooms: 2
  • Full bathrooms: 2

Interior Area

  • Total structure area: 3,625
  • Total interior livable area: 3,625 sqft

Property

Details

  • Parcel number: OXFOM45CBC18
  • Special condition: Auction

Features

  • Stories: 2

Lot

  • Lot size: 0.50 Acres

Parking

  • Total spaces: 4

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Cold Wave
    Cold WaveModerate
  • Hurricane
    HurricaneModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Cold Wave
Hurricane
Inland Flooding
Ice Storm
Lightning
Strong Wind

FEMA Declared Disasters Across Massachusetts Counties

Flood
Hurricane
Severe Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,572$18,864
Home Insurance *$124$1,488
Property Taxes $326$3,912
Electricity $714$8,577
Total$2,736$32,832
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$93,805/yr
40% on housing$82,080/yr
45% on housing$72,960/yr

Massachusetts FAIR Plan Programs

Massachusetts Property Insurance Underwriting Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 213,928Commercial: 230
Total Premiums$400.85M
Total Exposure$115.57B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 7.8%
7.8%
0%30.0%
Electricity Growth Rate10-year average: 7.9%
7.9%
0%15.0%
Property Taxes Growth Rate2-year average: 1.3%
1.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$86This listing

vs Other Active Listings

Avg $/sqft

ZIP 01540$217
Worcester County$265

vs Homes Sold Last Month

Median $/sqft

ZIP 01540$307
Worcester County$281

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2025-06-04Listing removed$385,000
2025-02-06Sold$180,000
2025-01-10Price change$385,000
2024-11-14Listed for sale$425,000

Unknown Listed By

AgentKeith Heroux
BrokerageBenMar Realty

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