Middlesex County and Ayer Town property record for 120 Sandy Pond Rd, Ayer, MA 01432
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,651 sqft · built 1999 |
| Lot Size | 0.88 acres (38,333 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $392,500 (Apr 2018) |
| Tax Bill | $6,283 (2025) |
| Deeds & Mortgages | Aug 2022 Refinance Mar 2021 Refinance + 4 more |
| Flood Zone | Zone AE (high risk) |
| APN | AYER M:022 B:0000 L:0046 |
| Primary APN | AYER M:022 B:0000 L:0046 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,651 sqft Living Area |
| Basement Area | 806 sqft |
| Unfinished Basement | 806 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 38,333 sqft (0.88 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 120 SANDY POND RD |
|---|---|
| City | AYER |
| State | MA |
| Zip | 01432-1525 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A2 |
| Legal Lot Number | 46 |
| Jurisdiction | AYER MA |
| Township / Civil Division | AYER |
| Census Block Group | 2 |
| Census Block | 2021 |
| Census Tract | 325101 |
120 Sandy Pond Rd is owned and occupied by two individuals who bought it in April 2018.
Source: Middlesex County and Ayer Town records, as of July 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 120 SANDY POND RD, AYER, MA 01432-1525 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 29, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE |
| Mar 1, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC |
| Feb 11, 2025 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) ROCKET MORTGAGE |
| Mar 1, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC |
| Apr 30, 2018 | Quit Claim Deed, Transfer · Conventional with PMI GUARANTEED RATE |
| Sep 18, 2017 | Quit Claim Deed, Transfer CROSSCOUNTRY MORTGAGE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 30, 2018 · Amount on File |
| Deed Sale | Apr 30, 2018 · Amount on File |
| Prior Sale | Sep 18, 2017 · Amount on File |
| Deed Book / Page | 70938 / 181 |
| Transfer Doc | 070938-181 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AYER MA |
| Property Address | 120 SANDY POND RD, AYER, MA 01432-1525 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 080643-236 |
|---|---|
| Date | Aug 29, 2022 |
| Book Page | 80643/236 |
| Instrument | 132229 |
| Name | ROCKET MORTGAGE |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 337 Months |
| Due | Sep 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AYER MA |
| Property Address | 120 SANDY POND RD, AYER, MA 01432-1525 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 00077097-1 |
|---|---|
| Date | Mar 1, 2021 |
| Book Page | 77097/1 |
| Instrument | 45270 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AYER MA |
| Property Address | 120 SANDY POND RD, AYER, MA 01432-1525 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 083758-573 |
|---|---|
| Date | Feb 11, 2025 |
| Book Page | 83758/573 |
| Instrument | 14387 |
| Name | ROCKET MORTGAGE |
|---|
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Mar 1, 2045 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AYER MA |
| Property Address | 120 SANDY POND RD, AYER, MA 01432-1525 |
| Transaction Type | Mortgage |
| Record Updated | Mar 19, 2021 |
| Name | Verified Name |
|---|
| Document Number | 77097-1 |
|---|---|
| Date | Mar 1, 2021 |
| Book Page | 77097/1 |
| Instrument | 45270 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | AYER MA |
| Recording Date | Apr 30, 2018 |
| Property Address | 120 SANDY POND RD, AYER, MA 01432-1525 |
| Document Number | 70938-181 |
| Book / Page | 070938 / 000181 |
| Instrument Date | Apr 30, 2018 |
| Instrument | 59029 |
| Transaction Type | Transfer |
| Record Updated | Aug 8, 2018 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,789.80 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 120 SANDY POND RD AYER MA 014321525, AYER, MA 01432-1525 |
| Document Number | 70938-184 |
|---|---|
| Date | Apr 30, 2018 |
| Book Page | 070938/000184 |
| Instrument | 59030 |
| Name | GUARANTEED RATE |
|---|
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 29, 2048 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | AYER MA |
| Recording Date | Sep 18, 2017 |
| Property Address | 120 SANDY POND RD, AYER, MA 01432-1525 |
| Document Number | 69946-401 |
| Book / Page | 69946 / 401 |
| Instrument | 151125 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $47.46 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 120 SANDY POND RD, AYER, MA 01432-1525 |
| Document Number | 699460408 |
|---|---|
| Date | Sep 18, 2017 |
| Instrument | 69946/0408 |
| Name | CROSSCOUNTRY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Sep 18, 2047 |
The 2025 property tax bill for 120 Sandy Pond Rd was $6,283.
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 | $6,283.00 | $525,300 Land $161,200 Building $364,100 | $485,450 (+0.67%) |
| 2024 | $482,220 | ||
| 2023 | $5,928.00 | $477,300 Land $174,600 Building $302,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 120 Sandy Pond Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective September 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Nearby Flood Policies | 8 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 risk around 120 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 |
| Adjoins Burnable Land | Yes |
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 69 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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