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128 Sandy Pond Rd, Ayer, MA 01432 Property Records

Middlesex County and Ayer Town property record for 128 Sandy Pond Rd, Ayer, MA 01432

Property Summary

Property TypeSingle Family Home
Details2 bd · 2.5 ba · 1,092 sqft · built 1995
Lot Size0.42 acres (18,295 sqft)
Owner2 Individual Names on Record
Last Sale$325,000 (Nov 2018)
Tax Bill$5,222 (2025)
Deeds & MortgagesOct 2023 Mortgage
Nov 2018 Sale & Mortgage
+ 1 more
Flood ZoneZone AE (high risk)
APNAYER M:023 B:0000 L:0046

Property Details

APN / Parcel Number

Primary APNAYER M:023 B:0000 L:0046

Interior

Bedrooms2 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms5 Rooms
Stories1 Story
Building Area1,092 sqft Living Area
Basement Area1,092 sqft
Unfinished Basement1,092 sqft

Exterior

Year BuiltBuilt 1995
Effective Year BuiltEffective 2003
Architectural StyleRanch
Exterior MaterialAluminum/Vinyl
Construction TypeConcrete
Roof TypeGable
Roof MaterialAsphalt
Lot Area18,295 sqft (0.42 acres)

Utilities, Heating & Cooling

Heating SystemHot Water
Heating FuelOil

Location & Zoning

Street Address128 SANDY POND RD
CityAYER
StateMA
Zip01432-1525
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeA2
Legal Lot Number46
JurisdictionAYER MA
Township / Civil DivisionAYER
Census Block Group2
Census Block2021
Census Tract325101

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 Record2 Individual Names on Record
Mailing Address128 SANDY POND RD, AYER, MA 01432-1525
OccupancyOwner Occupied
Owner TypeIndividual
VestingTenants by the Entirety

Deeds, Mortgages & Sale History

DateDocument
Oct 18, 2023Deed of Trust, Mortgage · Second Mortgage (Down Payment)
JEANNE D ARC CU
Nov 21, 2018Quit Claim Deed, Transfer · Conventional with PMI
JEANNE D'ARC CU
Oct 19, 2017Quit Claim Deed, Transfer
Quitclaim

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleNov 21, 2018 · Amount on Record
Deed SaleNov 21, 2018 · Amount on Record
Prior SaleOct 19, 2017
Deed Book / Page71918 / 38
Transfer Doc0071918-38
Record UpdatedOct 29, 2026

October 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionAYER MA
Property Address128 SANDY POND RD, AYER, MA 01432-1525
Transaction TypeMortgage
Record UpdatedApr 3, 2026

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number082109-581
DateOct 18, 2023
Book Page82109/581
Instrument118169
Lender
NameJEANNE D ARC CU
TypeCredit Union
Agreement
TypeSecond Mortgage (Down Payment)
AmountAmount Recorded
Term241 Months
DueNov 1, 2043

November 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionAYER MA
Recording DateNov 21, 2018
Property Address128 SANDY POND RD, AYER, MA 01432-1525
Document Number71918-38
Book / Page071918 / 000038
Instrument DateNov 5, 2018
Instrument9024
Transaction TypeTransfer
Record UpdatedDec 12, 2018

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,482.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address128 SANDY POND RD AYER MA 014321525, AYER, MA 01432-1525

Mortgage

Document Number71918-40
DateNov 21, 2018
Book Page071918/000040
Instrument9025
Lender
NameJEANNE D'ARC CU
TypeCredit Union
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueNov 20, 2048

October 2017: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionAYER MA
Recording DateOct 19, 2017
Property Address128 SANDY POND RD, AYER, MA 01432-1525
Document Number70100-15
Book / Page070100 / 000015
Instrument DateOct 18, 2017
Instrument9557
Transaction TypeTransfer
Record UpdatedNov 7, 2017

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCorporate Trust
Address128 SANDY POND RD AYER MA 014321525, AYER, MA 01432-1525

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$5,222.00 (+7.18%)$436,600 (+11.29%) Land $149,400 Building $287,200$456,570 (+4.09%)
2024$438,615
2023$4,872.00$392,300 Land $160,400 Building $231,900

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 AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood ElevationVaries along the reach; see FIRM
Flood Insurance RequirementRequired
federally backed loans
Nearby Flood Policies8 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

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
ExposureDirect
burnable vegetation

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 69 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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