Middlesex County and Ayer Town property record for 12 Gardner Ln, Ayer, MA 01432
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,370 sqft · built 1992 |
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $339,000 (Dec 2019) |
| Tax Bill | $5,279 (2025) |
| Deeds & Mortgages | Jun 2021 Mortgage May 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | AYER M:012 B:0000 L:0134 |
| Primary APN | AYER M:012 B:0000 L:0134 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,370 sqft Living Area |
| Gross Area | 5,572 sqft |
| 1st Floor Area | 900 sqft |
| Basement Area | 768 sqft |
| Unfinished Basement | 768 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 12,197 sqft (0.28 acres) |
| Garage Type | Basement |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 12 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 | 134 |
| 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 July 20, 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 | 107 WILLARD ST, AYER, MA 01432-1763 |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jun 14, 2021 | Deed of Trust, Mortgage · FHA Mortgage NORTHPOINT MORTGAGE INC |
| May 26, 2021 | Deed of Trust, Mortgage · FHA Mortgage NORTHPOINT MORTGAGE INC |
| Nov 9, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance JEANNE D ARC CU |
| Dec 27, 2019 | Quit Claim Deed, Transfer · FHA Mortgage NORTHPOINT MORTGAGE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 27, 2019 · Amount on Record |
| Deed Sale | Dec 27, 2019 · Amount on Record |
| Prior Sale | Nov 14, 2014 · Amount on Record |
| Deed Document Number | 2019207731 |
| Deed Book / Page | 73908 / 304 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AYER MA |
| Property Address | 12 GARDNER LN, AYER, MA 01432-1059 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0078006-93 |
|---|---|
| Date | Jun 14, 2021 |
| Book Page | 78006/93 |
| Instrument | 133749 |
| Name | NORTHPOINT MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AYER MA |
| Property Address | 12 GARDNER LN, AYER, MA 01432-1059 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 077868-441 |
|---|---|
| Date | May 26, 2021 |
| Book Page | 77868/441 |
| Instrument | 119641 |
| Name | NORTHPOINT MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AYER MA |
| Property Address | 12 GARDNER LN, AYER, MA 01432-1059 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 080926-451 |
|---|---|
| Date | Nov 9, 2022 |
| Book Page | 80926/451 |
| Instrument | 165928 |
| Name | JEANNE D ARC CU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Dec 1, 2042 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | AYER MA |
| Recording Date | Dec 27, 2019 |
| Property Address | 12 GARDNER LN, AYER, MA 01432-1059 |
| Document Number | 73908-304 |
| Book / Page | 73908 / 304 |
| Instrument Date | Dec 16, 2019 |
| Instrument | 207731 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| 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 |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 107 WILLARD ST, AYER, MA 01432-1763 |
| Document Number | 207732 |
|---|---|
| Date | Dec 27, 2019 |
| Instrument | 207732 |
| Name | NORTHPOINT MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $5,279.00 (+7.14%) | $441,400 (+11.27%) Land $142,100 Building $299,300 | $481,365 (+2.2%) |
| 2024 | $471,010 | ||
| 2023 | $4,927.00 | $396,700 Land $152,300 Building $244,400 |
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 |
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