Middlesex County and Ayer Town property record for 116 W Main St, Ayer, MA 01432
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 2 ba · 1,433 sqft · built 1880 |
| Lot Size | 0.09 acres (3,920 sqft) |
| Owner | Company Name on Record |
| Last Sale | $470,000 (Oct 2022) |
| Tax Bill | $5,343 (2025) |
| Deeds & Mortgages | Apr 2022 Refinance Feb 2026 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | AYER M:025 B:0000 L:0016 |
| Primary APN | AYER M:025 B:0000 L:0016 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 1,433 sqft Living Area |
| Basement Area | 798 sqft |
| Unfinished Basement | 798 sqft |
| Year Built | Built 1880 |
|---|---|
| Effective Year Built | Effective 2010 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 3,920 sqft (0.09 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Street Address | 116 W MAIN ST |
|---|---|
| City | AYER |
| State | MA |
| Zip | 01432-1213 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | GR |
| Legal Lot Number | 16 |
| Jurisdiction | AYER MA |
| Township / Civil Division | AYER |
| Census Block Group | 5 |
| Census Block | 5017 |
| Census Tract | 325102 |
Source: Middlesex County and Ayer Town records, as of October 22, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 758 MERRIAM AVE, LEOMINSTER, MA 01453-5424 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Apr 7, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE |
| Feb 24, 2026 | Deed of Trust, Mortgage AVIDIA BANK |
| Oct 14, 2022 | Quit Claim Deed, Transfer · Commercial Mortgage AVIDIA BANK |
| Jul 24, 2020 | Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS INC |
| Jul 28, 2017 | Quit Claim Deed, Transfer · FHA Mortgage SIERRA PACIFIC MORTGAGE CO INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 14, 2022 · Amount on Record |
| Deed Sale | Oct 14, 2022 · Amount on Record |
| Prior Sale | Jul 28, 2017 · Amount on Record |
| Deed Book / Page | 80829 / 574 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AYER MA |
| Property Address | 116 W MAIN ST, AYER, MA 01432-1213 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|
| Document Number | 079944-271 |
|---|---|
| Date | Apr 7, 2022 |
| Book Page | 79944/271 |
| Instrument | 52485 |
| Name | ROCKET MORTGAGE |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AYER MA |
| Property Address | 116 W MAIN ST, AYER, MA 01432-1213 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|
| Document Number | 085259-105 |
|---|---|
| Date | Feb 24, 2026 |
| Book Page | 85259/105 |
| Instrument | 19598 |
| Name | AVIDIA BANK |
|---|
| Amount | Amount Recorded |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | AYER MA |
| Recording Date | Oct 14, 2022 |
| Property Address | 116 W MAIN ST, AYER, MA 01432-1213 |
| Document Number | 080829-574 |
| Book / Page | 80829 / 574 |
| Instrument Date | Oct 14, 2022 |
| Instrument | 154346 |
| Transaction Type | Transfer |
| Record Updated | Nov 4, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 758 MERRIAM AVE, LEOMINSTER, MA 01453-5424 |
| Document Number | 0000154347 |
|---|---|
| Date | Oct 14, 2022 |
| Instrument | 154347 |
| Name | AVIDIA BANK |
|---|
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AYER MA |
| Property Address | 116 W MAIN ST, AYER, MA 01432-1213 |
| Transaction Type | Mortgage |
| Record Updated | May 10, 2022 |
| Name | Verified Name |
|---|
| Document Number | 075195-304 |
|---|---|
| Date | Jul 24, 2020 |
| Book Page | 75195/304 |
| Instrument | 121011 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | AYER MA |
| Recording Date | Jul 28, 2017 |
| Property Address | 116 W MAIN ST, AYER, MA 01432-1213 |
| Document Number | 0069686-68 |
| Book / Page | 69686 / 68 |
| Instrument | 119815 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $23.08 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 116 W MAIN ST, AYER, MA 01432-1213 |
| Document Number | 0696860072 |
|---|---|
| Date | Jul 28, 2017 |
| Instrument | 69686/0072 |
| Name | SIERRA PACIFIC MORTGAGE CO INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 28, 2047 |
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 | $5,343.00 (+68.82%) | $446,700 (+75.31%) Land $101,400 Building $345,300 | $466,437 |
| 2023 | $3,165.00 | $254,800 Land $95,300 Building $159,500 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 1 (2023) |
| Most Recent Claim | Jul 2023 · tidal / storm surge |
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 | None beyond 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 92 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 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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