FeaturesWalk-In Closet(s), Flooring - Laminate, Window(s) - Bay/Bow/Box, Lighting - Overhead
LevelSecond
45 Howarth Rd, Oxford MA 01540
Oxford, MA 01540
$625,000
Est. $3,865/month
Estimate assumptions
20% down, a 30-year loan at 6.5%, and $200/month estimated insurance.
Includes the supplied property-tax and HOA inputs; missing inputs contribute $0. HOA fees with an unspecified frequency are treated as monthly. PMI and closing costs are excluded.
Adjust the payment calculatorTrack this home for price, status, and open-house alerts.
Open House Schedule
10
Oct
Saturday, October 10
11:00 AM - 1:00 PM EDT
08
Oct
Thursday, October 8
4:30 PM - 6:30 PM EDT
About this home
Welcome to 45 Howarth Road. Three bedrooms, two and half bath colonial home on an expansive waterfront property on a dead-end road! Private, peaceful, tranquil boasting over an acre of land surrounded by beautiful nature, wildlife, waterfront views and gorgeous sunrises. From yearly turtle hatchings to majestic deer sightings to fishing on the shores or kayaking on the pond. You can’t help but smile when you pull into the driveway and see the shimmering water sparkling. The First floor has kitchen with granite countertops & stainless-steel appliances and sliding glass doors leading to your wonderful deck overlooking your amazing property. Dining room, formal living room with fireplace, family room and half bath with laundry. Second floor has 3 large bedrooms, main bedroom ensuite with two walk-in closets, and two additional bedrooms with walk-in closets. A full bath and linen closet. Light filled walk out basement with sliding glass doors to the picturesque backyard. Another 864 sq ft of possible future living space. Partially fenced in yard for pets and small children, mature landscaping, pathway down to the water and 370 sq ft of water frontage. This is the one you have been waiting for!
View in the App
Save this property, schedule tours instantly, and get alerts when the price drops
Scan with phone
Public Records & Permits
Log in to view assessor & tax records, ownership history, and recent building permits for this property.
BMN Estimate
Get the number an algorithm can't give you
A free agent CMA factors in condition, upgrades, and the street — the things comps alone can't see.
Recently Sold Nearby
Property History
Property Timeline
Listed for Sale
Oct 5, 2026
$625,000
Original listing
Agent: Kristie Barnes
Office: eXp Realty LLC
| Date | Event | Price | Change | $/sqft | Details |
|---|---|---|---|---|---|
| 10/05/2026 | 🏠 Listed for Sale | $625,000 | - | - | Original listing |
Tax History
| Year | Taxes | Assessment |
|---|---|---|
| 2026 | $6,050 | $494,700 |
Financial Details
Annual Property Tax
$6,050
Tax Year 2026
Assessed Value
$494,700
Facts & Features
Home Facts
Type
Residential
Style
Single Family Residence
Year Built
2003
Living Area
1,728 sq ft
Lot Size
1.06 acres
Bedrooms
3
Full Baths
2
Half Baths
1
Total Rooms
7
Interior
Heating
Forced Air, Oil
Cooling
Window Unit(s)
Flooring
Tile, Vinyl
Appliances
Electric Water Heater, Range, Dishwasher, Microwave, Refrigerator, Washer, Dryer
Fireplace
Living Room
Fireplaces
1
Basement
Full, Walk-out Access, Interior Entry, Concrete, Unfinished
Laundry
Bathroom - Half, Ceiling Fan(s), Flooring - Stone/ceramic Tile, Window(s) - Bay/bow/box, Electric Dryer Hookup, Washer Hookup, Lighting - Overhead, First Floor
Features
Internet Available - Unknown
Exterior
Construction
Frame
Architecture
Colonial
Roof
Shingle
Features
Deck, Deck - Wood, Rain Gutters, Professional Landscaping, Fenced Yard
Pool
None
Spa
None
Fencing
Fenced/enclosed, Fenced
Patio/Porch
Deck, Deck - Wood
Parking
Features
Paved Drive, Off Street, Paved
Total Spaces
6
Utilities
Electric
200+ Amp Service
Water
Private
Sewer
Private Sewer
Gas
None
Other
For Electric Range, For Electric Oven, For Electric Dryer, Washer Hookup
Financial
Annual Tax
$6,050
Assessed Value
$494,700
HOA & Community
Fee Includes
None
Amenities
None
Optional Fee Includes
None
MA Disclosures
Lead Paint
None
Seller Disclosures
None
Additional Details
Possession
None
Accepted Financing
Contract
Structure Type
[]
House Color
tan
Sq Ft Source
Public Record
Documents
None
County
Worcester
Property Overview
Property Type
Single Family Residence
Listing Type
For Sale
Year Built
2003
Bedrooms
3
Full Bathrooms
2
Half Bathrooms
1
Living Area
1,728 sq ft
Total Rooms
7
Floor Layout
Interactive room guide
Floor Layout
Finished Area
1,728 sq ft above grade
FeaturesWalk-In Closet(s), Flooring - Laminate, Window(s) - Bay/Bow/Box, Lighting - Overhead
LevelSecond
FeaturesBathroom - Full, Bathroom - Double Vanity/Sink, Bathroom - With Tub & Shower, Flooring - Stone/Ceramic Tile, Window(s) - Bay/Bow/Box, Countertops - Stone/Granite/Solid, Lighting - Overhead
LevelSecond
FeaturesBathroom - 3/4, Bathroom - Double Vanity/Sink, Bathroom - With Shower Stall, Flooring - Stone/Ceramic Tile, Window(s) - Bay/Bow/Box, Countertops - Stone/Granite/Solid, Lighting - Overhead
LevelSecond
FeaturesBathroom - 3/4, Ceiling Fan(s), Walk-In Closet(s), Flooring - Laminate, Window(s) - Bay/Bow/Box, Cable Hookup, Lighting - Overhead
LevelSecond
FeaturesFlooring - Stone/Ceramic Tile, Window(s) - Bay/Bow/Box, Countertops - Stone/Granite/Solid, Deck - Exterior, Exterior Access, Slider, Peninsula, Lighting - Overhead
LevelMain,First
FeaturesBathroom - Half, Bathroom - Double Vanity/Sink, Flooring - Stone/Ceramic Tile, Window(s) - Bay/Bow/Box, Countertops - Stone/Granite/Solid, Dryer Hookup - Electric, Washer Hookup, Lighting - Overhead
LevelMain,First
FeaturesFlooring - Laminate, Window(s) - Bay/Bow/Box, Exterior Access, Lighting - Overhead
LevelMain,First
FeaturesCeiling Fan(s), Flooring - Laminate, Cable Hookup, Lighting - Overhead
LevelMain,First
FeaturesFlooring - Laminate, Window(s) - Bay/Bow/Box, Open Floorplan, Lighting - Overhead
LevelMain,First
FeaturesYes
Display Options
Outdoor Areas
Patio & porchDeck, Deck - Wood
Room Markers
KKitchen (1)
BRBedroom (3)
BABathroom (4)
DDining (1)
LLiving (2)
Conceptual diagram based on MLS room data. It is not to scale and is not a substitute for architectural plans or on-site measurements.
Interior Features
Flooring:
Tile, Vinyl
Appliances:
Electric Water Heater, Range, Dishwasher, Microwave, Refrigerator, Washer, Dryer
Interior Features:
Internet Available - Unknown
Windows:
Insulated Windows
Basement:
Full, Walk-Out Access, Interior Entry, Concrete, Unfinished
Laundry:
Bathroom - Half, Ceiling Fan(s), Flooring - Stone/Ceramic Tile, Window(s) - Bay/Bow/Box, Electric Dryer Hookup, Washer Hookup, Lighting - Overhead, First Floor
Security:
Construction & Materials
Style:
Colonial
Year Built:
2003
Structure Type:
Exterior Materials:
Frame
Roof:
Shingle
Foundation:
Concrete Perimeter
Heating, Cooling & Utilities
Heating:
Forced Air, Oil
Heating Zones:
2
Cooling:
Window Unit(s)
Hot Water:
Water Source:
Private
Sewer:
Private Sewer
Energy Features:
Exterior & Lot
Exterior Features:
Deck, Deck - Wood, Rain Gutters, Professional Landscaping, Fenced Yard
Patio & Porch:
Deck, Deck - Wood
Fencing:
Fenced/Enclosed, Fenced
Other Structures:
Lot Features:
Wooded, Cleared, Gentle Sloping, Level
Road Surface:
Paved
Parking & Garage
Total Parking Spaces:
6
Parking Features:
Paved Drive, Off Street, Paved
Special Features
Fireplaces:
1
Fireplace Type:
Living Room
Waterfront:
Yes
Waterfront Type:
Waterfront, Pond, Frontage, Private
View:
Yes
View Type:
Scenic View(s)
Community Amenities:
Shopping, Park, Walk/Jog Trails, Bike Path, Conservation Area, Highway Access, House of Worship
Nearby Schools
School District
Oxford School District local
D
School Safety
2024-25
5.3%
Above Average
4.0%
Suspensions
0.2%
In-School
0.1%
Expulsions
1.2%
Emergency
0.2% below state avg
Elementary Schools
2 schools
Alfred M Chaffee School
0.9 mi
311 students
Moderate
Grades K-02
B-
Clara Barton School
2.3 mi
|
#474 of 825
|
Score: 45.4
Improved 143 spots from last year
-12.8 below state avg
315 students
Moderate
Rising School
Strong Attendance
Grades 03-05
Middle Schools
1 school
C
Oxford Middle School
1.4 mi
|
#264 of 352
|
Score: 35.3
Dropped 4 spots from last year
-22.9 below state avg
346 students
Moderate
Grades 06-08
High Schools
1 school
C-
Oxford High School
1.3 mi
|
#287 of 346
|
Score: 42.6
Dropped 79 spots from last year
-15.6 below state avg
448 students
Moderate
13 sports
• 492 athletes
High Graduation Rate
College Ready Curriculum
Grades PK-12
Learn about these ratings
Monthly Payment Calculator
Monthly Payment
$0
Principal, interest, taxes & insurance
Loan Amount
$0
After down payment
Total Interest
$0
Over life of loan
Total Cost
$0
Including down payment
%
Down: $0
%
Monthly Payment Breakdown
Principal & Interest
$0
Property Tax
$504
Homeowners Insurance
$200
PMI (if <20% down)
$0
Loan Summary
Total of 360 payments
$0
Total principal paid
$0
Total interest paid
$0
Rate Impact
-0.5% Rate
$0/mo
Save $0/mo
Current Rate
$0/mo
+0.5% Rate
$0/mo
Cost $0/mo
Payment Over Time
Year 1
95% Interest
Year 15
50/50
Year 30
95% Principal
* Estimates only. Actual payments may vary. Consult with a lender for accurate figures.
Location
Loading map...
Neighborhood
45 Howarth Rd, Oxford MA 01540
Oxford, MA 01540
Listing Information
Listing Agent
Kristie Barnes
Listing Office
eXp Realty LLC
Office Phone
888-854-7493
Agent MLS ID
CN232703
Office MLS ID
AN4167
Listing Data Updated
Oct 5, 2026 7:48 AM EDT
Listing information is deemed reliable but not guaranteed. Data provided by MLS Property Information Network, Inc. All information should be independently verified.
Contact Us
Ask about this property — free, no obligation.
Similar Homes for Sale
Comparable Properties
Customize Comparable Search
Finding comparable properties...
Loading market insights for Oxford.