11 Sandy Pond Rd, Ayer, MA 01432 Property Records

Middlesex County and Ayer Town property record for 11 Sandy Pond Rd, Ayer, MA 01432

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 2,026 sqft · built 1950
Lot Size	0.36 acres (15,682 sqft)
Owner	2 Individual Names on File
Last Sale	$100,000 (Jun 1986)
Tax Bill	$4,517 (2025)
Deeds & Mortgages	Dec 2025 Second Mortgage Nov 2023 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`AYER M:035 B:0000 L:0002`

Property Details

APN / Parcel Number

Primary APN	`AYER M:035 B:0000 L:0002`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,026 sqft Living Area

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1988
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,682 sqft (0.36 acres)
Garage Type	Detached

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	11 SANDY POND RD
City	AYER
State	MA
Zip	01432-1720
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A2
Legal Lot Number	2
Jurisdiction	AYER MA
Township / Civil Division	AYER
Census Block Group	1
Census Block	1003
Census Tract	325101

Owner

11 Sandy Pond Rd is owned and occupied by two individuals who bought it in June 1986.

Source: Middlesex County and Ayer Town records, as of July 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	11 SANDY POND RD, AYER, MA 01432-1720
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 5, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage I-C FCU
Nov 22, 2023	Deed of Trust, Mortgage · Second Mortgage (Down Payment) I-C FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 27, 1986 · Amount on File
Deed Sale	Jun 27, 1986 · Amount on File
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AYER MA
Property Address	11 SANDY POND RD, AYER, MA 01432-1720
Transaction Type	Mortgage
Record Updated	Dec 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	084965-356
Date	Dec 5, 2025
Book Page	84965/356
Instrument	148950

Lender

Name	I-C FCU
Type	Credit Union

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	229 Months
Due	Jan 1, 2045

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AYER MA
Property Address	11 SANDY POND RD, AYER, MA 01432-1720
Transaction Type	Mortgage
Record Updated	Dec 8, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	082241-524
Date	Nov 22, 2023
Book Page	82241/524
Instrument	134179

Lender

Name	I-C FCU
Type	Credit Union

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	241 Months
Due	Dec 1, 2043

Tax Assessment & Valuation

The 2025 property tax bill for 11 Sandy Pond Rd was $4,517.

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	$4,517.00	$377,700 Land $146,400 Building $231,300	$576,460 (-1.88%)
2024			$587,480
2023	$4,353.00	$350,500 Land $157,100 Building $193,400

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

Flood

FEMA maps place 11 Sandy Pond Rd in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

Wildfire risk around 11 Sandy Pond Rd is low, with a 0.01% annual chance of 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.

Nearby Properties on Sandy Pond Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures