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118 W Main St, Ayer, MA 01432 Property Records

Middlesex County and Ayer Town property record for 118 W Main St, Ayer, MA 01432

Property Summary

Property TypeSingle Family Home
Details3 bd · 1.5 ba · 1,434 sqft · built 1880
Lot Size0.09 acres (3,920 sqft)
OwnerIndividual Name on Record
Last Sale$205,000 (May 2018)
Tax Bill$4,119 (2025)
Deeds & MortgagesMar 2020 Refinance
Aug 2019 Transfer
+ 1 more
Flood ZoneZone X (minimal risk)
APNAYER M:025 B:0000 L:0015

Property Details

APN / Parcel Number

Primary APNAYER M:025 B:0000 L:0015

Interior

Bedrooms3 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Total Rooms8 Rooms
Stories2 Stories
Building Area1,434 sqft Living Area
Gross Area4,164 sqft
1st Floor Area1,484 sqft
Basement Area898 sqft
Unfinished Basement898 sqft

Exterior

Year BuiltBuilt 1880
Effective Year BuiltEffective 1988
Architectural StyleConventional
Exterior MaterialAluminum/Vinyl
Construction TypeStone
Roof TypeGable
Roof MaterialAsphalt
Lot Area3,920 sqft (0.09 acres)
Garage TypeAttached

Utilities, Heating & Cooling

Heating SystemSteam
Heating FuelGas

Location & Zoning

Street Address118 W MAIN ST
CityAYER
StateMA
Zip01432-1213
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeGR
Legal Lot Number15
JurisdictionAYER MA
Township / Civil DivisionAYER
Census Block Group5
Census Block5019
Census Tract325102

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on Record
Mailing Address118 W MAIN ST, AYER, MA 01432-1213
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Mar 6, 2020Deed of Trust, Mortgage · Stand-Alone Refinance
FAIRWAY INDEPENDENT MORTGAGE CORP
Aug 14, 2019Quit Claim Deed, Transfer
NOT AVAILABLE
May 25, 2018Quit Claim Deed, Transfer · Conventional with PMI
LOANDEPOT.COM LLC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMay 25, 2018 · Amount on Record
Deed SaleMay 25, 2018 · Amount on Record
Prior SaleFeb 29, 2012 · Amount on Record
Deed Book / Page71060 / 246
Record UpdatedSep 20, 2026

March 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionAYER MA
Property Address118 W MAIN ST, AYER, MA 01432-1213
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number74246-468
DateMar 6, 2020
Book Page74246/468
Instrument34274
Lender
NameFAIRWAY INDEPENDENT MORTGAGE CORP
TypeMortgage Company
Agreement
TypeStand-Alone Refinance
AmountAmount Recorded
Term361 Months
DueApr 1, 2050

August 2019: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionAYER MA
Recording DateAug 14, 2019
Property Address118 W MAIN ST, AYER, MA 01432-1213
Document Number73110-176
Book / Page073110 / 000176
Instrument DateAug 8, 2019
Instrument120576
Transaction TypeTransfer
Record UpdatedSep 4, 2019
Title CompanyNOT AVAILABLE

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address118 W MAIN ST AYER MA 014321213, AYER, MA 01432-1213

May 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionAYER MA
Recording DateMay 25, 2018
Property Address118 W MAIN ST, AYER, MA 01432-1213
Document Number71060-246
Book / Page071060 / 000246
Instrument DateMay 9, 2018
Instrument73922
Transaction TypeTransfer
Record UpdatedAug 8, 2018

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$934.80
Amount AccuracyConfirmed
Additional
  • Quitclaim
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address118 W MAIN ST AYER MA 014321213, AYER, MA 01432-1213

Mortgage

Document Number71060-248
DateMay 25, 2018
Book Page071060/000248
Instrument73923
Lender
NameLOANDEPOT.COM LLC
TypeFunding / Finance Company
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueMay 24, 2048

Tax Assessment & Valuation

Source: Middlesex County and Ayer Town assessment roll, as of April 14, 2026

Property Jurisdictions

TypeName
StateMassachusetts
CountyMiddlesex County
County SubdivisionAyer Town
Unified School DistrictAyer-Shirley School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,119.00 (+16.36%)$344,400 (+20.84%) Land $100,400 Building $244,000$370,215 (+4.28%)
2024$355,015
2023$3,540.00$285,000 Land $94,300 Building $190,700

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies4 in force
Nearby Flood Claims1 (2023)
Most Recent ClaimJul 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.

Wildfire

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

Wildfire RiskLow
lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood0.01% annual chance
ExposureNone
beyond 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 SystemAYER DPW WATER DIVISION
serves 8,479 people · EPA ID MA2019000
Water SourceGroundwater
Last State InspectionJun 2024
Lead1 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 92 locations within half a mile, as of December 31, 2025

ProviderMax 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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