Middlesex County and Ayer Town property record for 13 Howard St, Ayer, MA 01432
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2 ba · 2,426 sqft · built 1965 |
| Lot Size | 0.29 acres (12,632 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $139,000 (Jun 1988) |
| Tax Bill | $6,218 (2025) |
| Deeds & Mortgages | Feb 2023 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | AYER M:019 B:0000 L:0121 |
| Primary APN | AYER M:019 B:0000 L:0121 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,426 sqft Living Area |
| Basement Area | 1,032 sqft |
| Unfinished Basement | 1,032 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 12,632 sqft (0.29 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 13 HOWARD ST |
|---|---|
| City | AYER |
| State | MA |
| Zip | 01432-1140 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A2 |
| Legal Lot Number | 121 |
| Jurisdiction | AYER MA |
| Township / Civil Division | AYER |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 325102 |
Source: Middlesex County and Ayer Town assessment roll, as of April 14, 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 File |
|---|---|
| Mailing Address | 13 HOWARD ST, AYER, MA 01432-1140 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 23, 1988 · Amount on Record |
| Deed Sale | Jun 23, 1988 · Amount on Record |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AYER MA |
| Property Address | 13 HOWARD ST, AYER, MA 01432-1140 |
| Transaction Type | Mortgage |
| Record Updated | Feb 24, 2023 |
| Name | Verified Name |
|---|
| Document Number | 081239-269 |
|---|---|
| Date | Feb 10, 2023 |
| Book Page | 81239/269 |
| Instrument | 14571 |
| Name | FIDELITY COOPERATIVE BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Mar 1, 2043 |
| Rate Type | Adjustable Rate |
|---|
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 | $6,218.00 (+7.19%) | $519,900 (+11.3%) Land $142,700 Building $377,200 | $529,720 (-1.1%) |
| 2024 | $535,610 | ||
| 2023 | $5,801.00 | $467,100 Land $153,000 Building $314,100 |
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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; 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 |
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 130 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 USA Fixed Wireless | 100 / 20 |
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