10 Whitcomb Ave, Ayer, MA 01432 Property Records

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

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	1.5 Baths
Year Built	Built 1988
Square Footage	840 sqft Living Area
Lot Size	6,534 sqft (0.15 acres)
Occupancy	Owner Occupied
Last Sale	$105,700 (1997)
Tax Bill	$4,467.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`AYER M:034 B:0000 L:0149`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Partial Baths	1 Partial Baths
Total Rooms	5 Rooms
Building Area	840 sqft Living Area
Basement Area	780 sqft Basement
Unfinished Basement	156 sqft Unfinished
Stories	1 Stories

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1988
Exterior Material	Aluminum/Vinyl Exterior
Construction Type	Concrete Construction
Roof Construction	Gable Roof Construction
Roof Material	Asphalt Roof
Lot Area	6,534 sqft (0.15 acres)

Utilities and HVAC

Heating System	Hot Water Heating
Heating Fuel	Oil Heating Fuel

Location & Zoning

Street Address	10 WHITCOMB AVE
City	AYER
State	MA
Zip	01432-1628
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Lot Number	149
Jurisdiction	AYER MA
Minor Civil Division	AYER
Census Blockgroup	4
Census Block	4016
Census Tract	325102

Owner

Source: Middlesex County and Ayer Town records · APN AYER M:034 B:0000 L:0149

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 WHITCOMB AVE, AYER, MA 01432-1628
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	Aug 29, 1997 · Amount on Record
Deed Sale	Aug 29, 1997 · Amount on Record
Prior Sale	Jul 14, 1995 · Amount on Record
Record Refreshed	Sep 20, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AYER MA
Property Address	10 WHITCOMB AVE, AYER, MA 01432-1628
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	76654-530
Date	Jan 11, 2021
Book Page	76654/530
Instrument	5333

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Stand Alone Refinance
Amount	Amount Recorded
Term	109 Months
Due	Feb 01, 2030

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	$4,467.00 (+6.94%)	$373,500 (+11.06%) Land $131,600 Building $241,900	$364,705 (+1.45%)
2024			$359,480
2023	$4,177.00	$336,300 Land $140,800 Building $195,500

Flood & Wildfire

10 Whitcomb Ave is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Low risk).

Flood

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020

Wildfire Risk to Homes	Low 5th percentile of exposed land nationally · 10th in Massachusetts
Wildfire Likelihood	Low — less than 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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