10 School St, Ayer, MA 01432 Property Records

Middlesex County and Ayer Town property record for 10 School St, Ayer, MA 01432 · Last verified July 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	1 Baths
Year Built	Built 1988
Square Footage	1,430 sqft Living Area
Lot Size	6,098 sqft (0.14 acres)
Occupancy	Owner Occupied
Last Sale	$322,000 (2020)
Tax Bill	$4,197.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`AYER M:034 B:0000 L:0003`

Interior

Bedrooms	3 Beds
Full Baths	1 Baths
Total Rooms	7 Rooms
Building Area	1,430 sqft Living Area
Basement Area	256 sqft Basement
Unfinished Basement	256 sqft Unfinished
Stories	2 Stories

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1988
Architectural Style	Conventional Style
Exterior Material	Asbestos Exterior
Construction Type	Stone Construction
Roof Construction	Gable Roof Construction
Roof Material	Asphalt Roof
Lot Area	6,098 sqft (0.14 acres)

Utilities and HVAC

Heating System	Hot Water Heating
Heating Fuel	Gas Heating Fuel

Location & Zoning

Street Address	10 SCHOOL ST
City	AYER
State	MA
Zip	01432-1634
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Lot Number	3
Jurisdiction	AYER MA
Minor Civil Division	AYER
Census Blockgroup	4
Census Block	4013
Census Tract	325102

Owner

Source: Middlesex County and Ayer Town records · APN AYER M:034 B:0000 L:0003

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	Individual Name on File
Mailing Address	10 SCHOOL ST, AYER, MA 01432-1634
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 18, 2020 · Amount on Record
Deed Sale	Nov 18, 2020 · Amount on Record
Deed Doc Number	2020216157
Deed Book / Page	76195 / 224
Record Refreshed	Sep 20, 2026

November 2020: Quit Claim Arm's Length for NE States, Transfer

Document Type	Quit Claim Arm's Length for NE States
Jurisdiction	AYER MA
Recording Date	Nov 18, 2020
Property Address	10 SCHOOL ST, AYER, MA 01432-1634
Document Number	76195-224
Book / Page	76195 / 224
Instrument Date	Nov 11, 2020
Instrument	216157
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 SCHOOL ST, AYER, MA 01432-1634

Mortgage

Document Number	216158
Date	Nov 18, 2020
Instrument	216158

Lender

Name	GUARANTEED RATE AFFINITY LLC

Agreement

Type	Stand Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Middlesex County and Ayer Town records · Assessment roll updated April 14, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
County Subdivision	Ayer Town
Unified School District	Ayer-Shirley School District (PK - 12)

Tax Bill & Assessment History

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	$4,197.00 (+8.65%)	$350,900 (+12.83%) Land $131,000 Building $219,900	$426,360 (+1.88%)
2024			$418,475
2023	$3,863.00	$311,000 Land $139,800 Building $171,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Middlesex County (25017C), updated September 10, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft

Wildfire

Wildfire Risk	Low above 20% of the US · above 58% of Massachusetts
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Indirect within ember reach

Values are read at the parcel center point; lenders make the official flood determination.