Middlesex County and Ayer Town property record for 10 Elm St, Ayer, MA 01432
| Property Type | Duplex |
|---|---|
| Details | 6 bd · 2 ba · 3,240 sqft · built 1890 |
| Lot Size | 0.19 acres (8,276 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $5,075 (2025) |
| Deeds & Mortgages | Sep 2021 Refinance Sep 2021 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | AYER M:027 B:0000 L:0145 |
| Primary APN | AYER M:027 B:0000 L:0145 |
|---|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 12 Rooms |
| Units | 2 Units |
| Stories | 3 Stories |
| Building Area | 3,240 sqft Living Area |
| Basement Area | 1,172 sqft |
| Unfinished Basement | 1,172 sqft |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Construction Type | Stone |
| Roof Type | Mansard |
| Roof Material | Asphalt |
| Lot Area | 8,276 sqft (0.19 acres) |
| Garage Type | Detached |
| Heating System | Steam |
|---|---|
| Heating Fuel | Oil |
| Street Address | 10 ELM ST |
|---|---|
| City | AYER |
| State | MA |
| Zip | 01432-1646 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | A2 |
| Legal Lot Number | 145 |
| Jurisdiction | AYER MA |
| Township / Civil Division | AYER |
| Census Block Group | 4 |
| Census Block | 4024 |
| Census Tract | 325102 |
Source: Middlesex County and Ayer Town records, as of April 14, 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 Record |
|---|---|
| Mailing Address | 10 ELM ST, AYER, MA 01432-1646 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 23, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance LENOX FINANCIAL MORTGAGE |
| Sep 23, 2021 | Warranty Deed, Transfer · Stand-Alone Refinance LENOX FINANCIAL MORTGAGE |
| Jan 2, 2019 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Aug 25, 2021 |
| Transfer Doc | 0078761-36 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AYER MA |
| Property Address | 10 ELM ST, AYER, MA 01432-1646 |
| Transaction Type | Mortgage |
| Record Updated | Nov 1, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0078761-36 |
|---|---|
| Date | Sep 23, 2021 |
| Book Page | 78761/36 |
| Instrument | 211004 |
| Name | LENOX FINANCIAL MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Oct 1, 2036 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | AYER MA |
| Recording Date | Sep 23, 2021 |
| Property Address | 10 ELM ST, AYER, MA 01432-1646 |
| Document Number | 78761-32 |
| Book / Page | 78761 / 32 |
| Instrument Date | Aug 25, 2021 |
| Instrument | 211003 |
| Transaction Type | Transfer |
| Record Updated | Oct 8, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 10 ELM ST, AYER, MA 01432-1646 |
| Document Number | 78761-36 |
|---|---|
| Date | Sep 23, 2021 |
| Book Page | 78761/36 |
| Instrument | 211004 |
| Name | LENOX FINANCIAL MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Oct 1, 2036 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | AYER MA |
| Recording Date | Jan 2, 2019 |
| Property Address | 10 ELM ST, AYER, MA 01432-1646 |
| Document Number | 72081-304 |
| Book / Page | 72081 / 304 |
| Instrument Date | Dec 27, 2018 |
| Instrument | 73 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 10 ELM ST, AYER, MA 01432-1646 |
Source: Middlesex County and Ayer Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Ayer Town |
| Unified School District | Ayer-Shirley School District (PK - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $5,075.00 (+13.92%) | $424,300 (+18.29%) Land $134,800 Building $289,500 |
| 2023 | $4,455.00 | $358,700 Land $144,200 Building $214,500 |
Assessed value is set for property tax purposes and is not a market price estimate.
Source: FEMA National Flood Hazard Layer, effective September 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 1 (2025) |
| Most Recent Claim | Jun 2025 · rainfall accumulation |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 57% of Massachusetts |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | AYER DPW WATER DIVISION serves 8,479 people · EPA ID MA2019000 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2024 |
| Lead | 1 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 166 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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