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138 Washington St, Ayer, MA 01432 Property Records

Middlesex County and Ayer Town property record for 138 Washington St, Ayer, MA 01432

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 2,395 sqft · built 2022
Lot Size0.406 acres (17,681 sqft)
Owner2 Individual Names on File
Last Sale$790,000 (Mar 2023)
Tax Bill$8,761 (2025)
Deeds & MortgagesMar 2022 Refinance
Mar 2023 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APNAYER M:013 B:0000 L:0014

Property Details

APN / Parcel Number

Primary APNAYER M:013 B:0000 L:0014

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms6 Rooms
Stories2 Stories
Building Area2,395 sqft Living Area

Exterior

Year BuiltBuilt 2022
Effective Year BuiltEffective 2022
Architectural StyleColonial
Exterior MaterialAluminum/Vinyl
Roof MaterialAsphalt
Lot Area17,681 sqft (0.406 acres)

Utilities, Heating & Cooling

Heating SystemForced Air with A/C
Heating FuelGas

Location & Zoning

Street Address138 WASHINGTON ST
CityAYER
StateMA
Zip01432-1166
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeA2
Legal Lot Number14
JurisdictionAYER MA
Township / Civil DivisionAYER
Census Block Group1
Census Block1000
Census Tract325102

Owner

138 Washington St is owned and occupied by two individuals who bought it in March 2023.

Source: Middlesex County and Ayer Town records, as of July 20, 2026

Owner of Record2 Individual Names on File
Mailing Address138 WASHINGTON ST, AYER, MA 01432-1166
OccupancyOwner Occupied
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Mar 25, 2022Deed of Trust, Mortgage · Stand-Alone Refinance
CORNERSTONE BANK
Mar 15, 2023Quit Claim Deed, Transfer · Stand-Alone First Mortgage
GUARANTEED RATE AFFINITY LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMar 15, 2023 · Amount on File
Deed SaleMar 15, 2023 · Amount on File
Deed Book / Page81331 / 171
Record UpdatedSep 20, 2026

March 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionAYER MA
Property Address138 WASHINGTON ST, AYER, MA 01432-1166
Transaction TypeMortgage
Record UpdatedNov 20, 2025

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number079881-268
DateMar 25, 2022
Book Page79881/268
Instrument45406
Lender
NameCORNERSTONE BANK
TypeBank
Agreement
TypeStand-Alone Refinance
AmountAmount on Record

March 2023: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionAYER MA
Recording DateMar 15, 2023
Property Address138 WASHINGTON ST, AYER, MA 01432-1166
Document Number081331-171
Book / Page81331 / 171
Instrument DateMar 15, 2023
Instrument25800
Transaction TypeTransfer
Record UpdatedNov 20, 2025

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address138 WASHINGTON ST, AYER, MA 01432-1166

Mortgage

Document Number0000025801
DateMar 15, 2023
Instrument25801
Lender
NameGUARANTEED RATE AFFINITY LLC
Agreement
TypeStand-Alone First Mortgage
AmountAmount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 138 Washington St was $8,761.

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$8,761.00$732,500 Land $148,700 Building $583,800$845,595 (+8.73%)
2024$777,670
2023$3,784.00$304,700 Land $159,600 Building $145,100

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 138 Washington St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 10, 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 138 Washington St is low, with a 0.02% annual chance of 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 Likelihood0.02% 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 130 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

Cell Coverage

5G (outdoors only) and 4G LTE

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