Middlesex County and Ayer Town property record for 13 Vernon St, Ayer, MA 01432
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,184 sqft · built 1986 |
| Lot Size | 1.16 acres (50,530 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $230,000 (May 2002) |
| Tax Bill | $5,455 (2025) |
| Deeds & Mortgages | Sep 2023 Refinance Oct 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | AYER M:012 B:0000 L:0107 |
| Primary APN | AYER M:012 B:0000 L:0107 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,184 sqft Living Area |
| Gross Area | 6,855 sqft |
| 1st Floor Area | 960 sqft |
| Basement Area | 1,104 sqft |
| Unfinished Basement | 1,104 sqft |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1997 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 50,530 sqft (1.16 acres) |
| Total Buildings | 2 Buildings |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 13 VERNON ST |
|---|---|
| City | AYER |
| State | MA |
| Zip | 01432-1023 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A2 |
| Legal Lot Number | 107 |
| 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 | 13 VERNON ST, AYER, MA 01432-1023 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 19, 2023 | Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF AMERICA NA |
| Oct 13, 2020 | Quit Claim Deed, Transfer · FHA Mortgage M & T BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 13, 2002 · Amount on Record |
| Deed Sale | May 13, 2002 · Amount on Record |
| Deed Document Number | 20021266 |
| Last Transfer Date | Oct 7, 2020 |
| Transfer Doc | 75865-255 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AYER MA |
| Property Address | 13 VERNON ST, AYER, MA 01432-1023 |
| Transaction Type | Mortgage |
| Record Updated | Oct 9, 2023 |
| Name | Verified Name |
|---|
| Document Number | 082009-364 |
|---|---|
| Date | Sep 19, 2023 |
| Book Page | 82009/364 |
| Instrument | 105581 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2053 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | AYER MA |
| Recording Date | Oct 13, 2020 |
| Property Address | 13 VERNON ST, AYER, MA 01432-1023 |
| Document Number | 75865-255 |
| Book / Page | 75865 / 255 |
| Instrument Date | Oct 7, 2020 |
| Instrument | 184856 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 13 VERNON ST, AYER, MA 01432-1023 |
| Document Number | 75865-260 |
|---|---|
| Date | Oct 13, 2020 |
| Book Page | 75865/260 |
| Instrument | 184857 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2050 |
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 | $5,455.00 (+9.49%) | $456,100 (+13.71%) Land $177,800 Building $278,300 | $497,515 (+1.57%) |
| 2024 | $489,820 | ||
| 2023 | $4,982.00 | $401,100 Land $177,800 Building $223,300 |
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 |
|---|---|
| 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 | Direct burnable vegetation |
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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