101 Willard St, #103, Ayer, MA 01432 Property Records

Middlesex County and Ayer Town property record for 101 Willard St, #103, Ayer, MA 01432

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,872 sqft · built 1945
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on Record
Last Sale	$120,000 (Oct 1996)
Tax Bill	$4,347 (2025)
Deeds & Mortgages	Mar 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`AYER M:035 B:0000 L:0075`

Property Details

APN / Parcel Number

Primary APN	`AYER M:035 B:0000 L:0075`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Units	2 Units
Stories	1 Story
Building Area	1,872 sqft Living Area

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1988
Architectural Style	Duplex Single
Exterior Material	Wood Siding
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,019 sqft (0.23 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	101 WILLARD ST, 103
City	AYER
State	MA
Zip	01432-1763
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	GR
Legal Lot Number	75
Jurisdiction	AYER MA
Township / Civil Division	AYER
Census Block Group	1
Census Block	1008
Census Tract	325101

Owner

Source: Middlesex County and Ayer Town records, as of October 20, 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 Record
Mailing Address	76 MIZZEN CIR, HAMPTON, VA 23664-2208
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 28, 1996 · Amount on Record
Deed Sale	Oct 28, 1996 · Amount on Record
Record Updated	Oct 29, 2026

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AYER MA
Property Address	101-103 WILLARD ST, AYER, MA 01432
Document Number	70800-423
Instrument Date	Mar 23, 2018
Transaction Type	Mortgage
Record Updated	Apr 17, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife

Mortgage

Document Number	70800-423
Date	Mar 30, 2018
Book Page	070800/000423
Instrument	42419

Lender

Name	MASS BAY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Mar 29, 2043

Tax Assessment & Valuation

Source: Middlesex County and Ayer Town assessment roll, as of April 14, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,347.00 (+32.69%)	$363,500 (+37.79%) Land $114,400 Building $249,100	$507,203
2023	$3,276.00	$263,800 Land $107,900 Building $155,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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.

Wildfire

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 224 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Spectrum.

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