Middlesex County and Ayer Town property record for 12 Elm St, Ayer, MA 01432
| Property Type | Duplex |
|---|---|
| Details | 7 bd · 2 ba · 2,318 sqft · built 1880 |
| Lot Size | 0.1 acres (4,356 sqft) |
| Owner | Trust Name on Record |
| Last Sale | $135,000 (Dec 1998) |
| Tax Bill | $4,751 (2025) |
| Deeds & Mortgages | Oct 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | AYER M:033 B:0000 L:0008 |
| Primary APN | AYER M:033 B:0000 L:0008 |
|---|
| Bedrooms | 7 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 11 Rooms |
| Units | 2 Units |
| Stories | 3 Stories |
| Building Area | 2,318 sqft Living Area |
| Basement Area | 871 sqft |
| Unfinished Basement | 871 sqft |
| Year Built | Built 1880 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Construction Type | Stone |
| Roof Type | Mansard |
| Roof Material | Asphalt |
| Lot Area | 4,356 sqft (0.1 acres) |
| Heating System | Steam |
|---|---|
| Heating Fuel | Oil |
| Street Address | 12 ELM ST |
|---|---|
| City | AYER |
| State | MA |
| Zip | 01432-1646 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | A2 |
| Legal Lot Number | 8 |
| Jurisdiction | AYER MA |
| Township / Civil Division | AYER |
| Census Block Group | 4 |
| Census Block | 4024 |
| Census Tract | 325102 |
Source: Middlesex County and Ayer Town records, as of October 20, 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 | Trust Name on Record |
|---|---|
| Mailing Address | 82 SANDY POND RD, AYER, MA 01432-1519 |
| Owner Type | Individual |
| Vesting | Trust |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 23, 1998 · Amount on Record |
| Deed Sale | Dec 23, 1998 · Amount on Record |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AYER MA |
| Property Address | 12 ELM ST, AYER, MA 01432-1646 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 70127-102 |
|---|---|
| Date | Oct 25, 2017 |
| Book Page | 70127/102 |
| Instrument | 172783 |
| Name | MAIN STREET BANK (MA) |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Oct 1, 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 | $4,751.00 (+15.71%) | $397,200 (+20.15%) Land $126,100 Building $271,100 | $530,685 |
| 2023 | $4,106.00 | $330,600 Land $134,300 Building $196,300 |
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 | 6 in force |
| Nearby Flood Claims | 1 (2025) |
| Most Recent Claim | Jun 2025 · rainfall accumulation |
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 166 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