Middlesex County and Ayer Town property record for 1 Gardner Ln, Ayer, MA 01432 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 2 Beds |
| Bathrooms | 1 Baths |
| Year Built | Built 2004 |
| Square Footage | 858 sqft Living Area |
| Lot Size | 10,019 sqft (0.23 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $511,000 (2023) |
| Tax Bill | $5,351.00 (2025) |
| Primary APN | AYER M:012 B:0000 L:0113 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Baths |
| Total Rooms | 6 Rooms |
| Building Area | 858 sqft Living Area |
| Basement Area | 828 sqft Basement |
| Unfinished Basement | 328 sqft Unfinished |
| Stories | 1 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Raised Ranch Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Construction Type | Concrete Construction |
| Roof Construction | Gable Roof Construction |
| Roof Material | Asphalt Roof |
| Lot Area | 10,019 sqft (0.23 acres) |
| Garage Type | Detached Garage |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Hot Water Heating |
| Heating Fuel | Oil Heating Fuel |
| Street Address | 1 GARDNER LN |
|---|---|
| City | AYER |
| State | MA |
| Zip | 01432-1059 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Lot Number | 113 |
| Jurisdiction | AYER MA |
| Minor Civil Division | AYER |
| Census Blockgroup | 2 |
| Census Block | 2015 |
| Census Tract | 325102 |
Source: Middlesex County and Ayer Town records · APN AYER M:012 B:0000 L:0113
Assessment roll updated April 14, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1 GARDNER LN, AYER, MA 01432-1059 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Oct 20, 2023 | Quit Claim Arm's Length for NE States, Transfer · Stand Alone First Mortgage GUILD MORTGAGE CO |
| Aug 14, 2018 | Deed of Trust, Mortgage · Conventional Mortgage INST & TECH MASS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 20, 2023 · Amount on Record |
| Deed Sale | Oct 20, 2023 · Amount on Record |
| Prior Sale | Dec 20, 1996 · Amount on Record |
| Deed Doc Number | 2023119357 |
| Deed Book / Page | 82119 / 293 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Quit Claim Arm's Length for NE States |
|---|---|
| Jurisdiction | AYER MA |
| Recording Date | Oct 20, 2023 |
| Property Address | 1 GARDNER LN, AYER, MA 01432-1059 |
| Document Number | 082119-293 |
| Book / Page | 82119 / 293 |
| Instrument Date | Oct 20, 2023 |
| Instrument | 119357 |
| Transaction Type | Transfer |
| Record Updated | Nov 03, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 1 GARDNER LN, AYER, MA 01432-1059 |
| Document Number | 0000119358 |
|---|---|
| Date | Oct 20, 2023 |
| Instrument | 119358 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | Stand Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AYER MA |
| Property Address | 1 GARDNER LN, AYER, MA 01432-1059 |
| Document Number | 71499-461 |
| Instrument Date | Aug 14, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Sep 11, 2018 |
| Name | Verified Name |
|---|---|
| Address | 1 GARDNER LN AYER MA 014321059, AYER, MA 01432-1059 |
| Document Number | 71499-461 |
|---|---|
| Date | Aug 20, 2018 |
| Book Page | 071499/000461 |
| Instrument | 127610 |
| Name | INST & TECH MASS |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Aug 19, 2028 |
Source: Middlesex County and Ayer Town records · Assessment roll updated April 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Ayer Town |
| Unified School District | Ayer-Shirley School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,351.00 (+13.56%) | $447,400 (+17.92%) Land $139,500 Building $307,900 | $535,895 (+12.66%) |
| 2024 | $475,665 | ||
| 2023 | $4,712.00 | $379,400 Land $149,200 Building $230,200 |
1 Gardner Ln is in FEMA Zone X, outside the Special Flood Hazard Area, with indirect wildfire exposure (Low risk).
Source: FEMA National Flood Hazard Layer · Middlesex County (25017C), updated September 10, 2026
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Low 20th percentile of exposed land nationally · 58th in Massachusetts |
|---|---|
| Wildfire Likelihood | Low — about 1 in 10,000 per year |
| Exposure | Indirect within ember reach of burnable land |
Values are read at the parcel center point; lenders make the official flood determination.
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