Middlesex County and Ayer Town property record for 11 Gardner Ln, Ayer, MA 01432
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2.5 ba · 858 sqft · built 1992 |
| Lot Size | 0.39 acres (16,988 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $4,631 (2025) |
| Deeds & Mortgages | Sep 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | AYER M:012 B:0000 L:0140 |
| Primary APN | AYER M:012 B:0000 L:0140 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 858 sqft Living Area |
| Basement Area | 828 sqft |
| Unfinished Basement | 800 sqft |
| Game Room | Game Room |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 16,988 sqft (0.39 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 11 GARDNER LN |
|---|---|
| City | AYER |
| State | MA |
| Zip | 01432-1059 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A2 |
| Legal Lot Number | 140 |
| Jurisdiction | AYER MA |
| Township / Civil Division | AYER |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 325102 |
Source: Middlesex County and Ayer Town records, as of October 13, 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 | 11 GARDNER LN, AYER, MA 01432-1059 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AYER MA |
| Property Address | 11 GARDNER LN, AYER, MA 01432-1059 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 69890-36 |
|---|---|
| Date | Sep 6, 2017 |
| Book Page | 69890/36 |
| Instrument | 144134 |
| Name | DIGITAL FCU |
|---|---|
| Type | Credit Union |
| Amount | Amount Recorded |
|---|---|
| Term | 120 Months |
| Due | Sep 1, 2027 |
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 | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,631.00 (+6.24%) | $387,200 (+10.31%) Land $148,000 Building $239,200 | $458,660 (+2.27%) |
| 2024 | $448,495 | ||
| 2023 | $4,359.00 | $351,000 Land $159,100 Building $191,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Flood Insurance Cost | Premium on Record median of 10 policies |
| Nearby Flood Policies | 10 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.
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 206 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures