
45 Howarth Rd Oxford — Photo 1 of 42
$625,000
Investment Analysis — 45 Howarth Rd
Oxford, MA 01540
Based on HUD Small Area Fair Market Rent for Worcester, MA HUD Metro FMR Area, a 3-bedroom in 01540 carries an estimated $2,080/mo in gross rent — about a 2.07% cap rate and $12,920/yr in estimated NOI at the $625,000 list price. Adjust every assumption in the calculator below.
Beds
3
Baths
2.5
SqFt
1,728
Style
Single Family
Built
2003
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 addition 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!
ADU Potential
Massachusetts allows one accessory dwelling unit by right in single-family zoning districts statewide (M.G.L. c. 40A §3; 760 CMR 71.00, effective Feb 2025). Estimated maximum ADU size for this property: 864 sq ft (the lesser of 900 sq ft or half the 1,728 sq ft principal dwelling). Lot size: 46,136 sq ft.
Based on listing data, which indicates the property type — not the zoning district. Local dimensional, septic (Title 5), and historic-district requirements still apply. Not legal advice — verify with the municipality.
Estimates — not financial advice
These figures are illustrative estimates for informational purposes only — not an appraisal, valuation, or guarantee of rent, income, or returns, and not financial, tax, or investment advice. Rent is either the figure reported on the MLS listing — in-place rent that may differ from market and is not verified against the actual leases — or, where the listing reports none, an estimate from HUD Small Area Fair Market Rents, a government benchmark that may differ from actual market rent. Each figure is labelled with its source. Cap rate, NOI, and returns depend on the assumptions shown, which you can change. MLS and other third-party data may be inaccurate or out of date. Verify all figures independently and consult your own financial, tax, and legal advisors before making any investment decision.
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Property Details
Financials
Parking
Interior Specifications
Climate & Utilities
Building & Exterior
Property & Lot
Amenities & Appliances
Electric Water Heater • Range • Dishwasher • Microwave • Refrigerator • Washer • Dryer
Neighborhood
Shopping • Park • Walk/Jog Trails • Bike Path • Conservation Area • Highway Access
Geography
Floorplan Breakdown
Structural Layout
Living Room
Lvl Main,FirstFlooring - Laminate, Window(s) - Bay/Bow/Box, Open Floorplan, Lighting - Overhead
Dining Room
Lvl Main,FirstFlooring - Laminate, Window(s) - Bay/Bow/Box, Exterior Access, Lighting - Overhead
Kitchen
Lvl Main,FirstFlooring - Stone/Ceramic Tile, Window(s) - Bay/Bow/Box, Countertops - Stone/Granite/Solid, Deck - Exterior, Exterior Access, Slider, Peninsula, Lighting - Overhead
Family Room
Lvl Main,FirstCeiling Fan(s), Flooring - Laminate, Cable Hookup, Lighting - Overhead
Primary Bedroom
Lvl SecondBathroom - 3/4, Ceiling Fan(s), Walk-In Closet(s), Flooring - Laminate, Window(s) - Bay/Bow/Box, Cable Hookup, Lighting - Overhead
Bedroom 2
Lvl SecondBedroom 3
Lvl SecondWalk-In Closet(s), Flooring - Laminate, Window(s) - Bay/Bow/Box, Lighting - Overhead
Bathroom 1
Lvl Main,FirstBathroom - 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
Bathroom 2
Lvl SecondBathroom - Full, Bathroom - Double Vanity/Sink, Bathroom - With Tub & Shower, Flooring - Stone/Ceramic Tile, Window(s) - Bay/Bow/Box, Countertops - Stone/Granite/Solid, Lighting - Overhead
Bathroom 3
Lvl SecondBathroom - 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
Listing Agent: Kristie Barnes
Listing Office: eXp Realty LLC
MLS® Number: 73584782
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