14 Hibiscus Ln, Ayer, MA 01432 Property Records

Middlesex County and Ayer Town property record for 14 Hibiscus Ln, Ayer, MA 01432

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,112 sqft · built 1997
Lot Size	3.27 acres (142,441 sqft)
Owner	Individual Name on File
Last Sale	$90,000 (Dec 2023)
Tax Bill	$7,281 (2025)
Deeds & Mortgages	Jul 2025 Line of Credit Dec 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`AYER M:007 B:0000 L:0031`

Property Details

APN / Parcel Number

Primary APN	`AYER M:007 B:0000 L:0031`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,112 sqft Living Area
Basement Area	1,192 sqft
Unfinished Basement	745 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2004
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	142,441 sqft (3.27 acres)
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	14 HIBISCUS LN
City	AYER
State	MA
Zip	01432-1547
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A1
Legal Lot Number	31
Jurisdiction	AYER MA
Township / Civil Division	AYER
Census Block Group	2
Census Block	2001
Census Tract	325101

Owner

14 Hibiscus Ln is owned and occupied by an individual who bought it in December 2023.

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

Owner of Record	Individual Name on File
Mailing Address	14 HIBISCUS LN, AYER, MA 01432-1547
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.

Deeds, Mortgages & Sale History

Date	Document
Jul 16, 2025	Deed of Trust, Mortgage · Line of Credit CAMBRIDGE SAVINGS BANK
Dec 6, 2023	Quit Claim Deed, Transfer
Dec 15, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 6, 2023 · Amount on File
Deed Sale	Dec 6, 2023 · Amount on File
Prior Sale	Dec 22, 2016 · Amount on File
Deed Book / Page	82284 / 52
Transfer Doc	068646-426
Record Updated	Oct 29, 2026

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AYER MA
Property Address	14 HIBISCUS LN, AYER, MA 01432-1547
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	084363-197
Date	Jul 16, 2025
Book Page	84363/197
Instrument	82670

Lender

Name	CAMBRIDGE SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2055

Interest

Rate Type	Adjustable Rate

December 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	AYER MA
Recording Date	Dec 6, 2023
Property Address	14 HIBISCUS LN, AYER, MA 01432-1547
Document Number	0082284-52
Book / Page	82284 / 52
Instrument Date	Dec 5, 2023
Instrument	139433
Transaction Type	Transfer
Record Updated	Dec 22, 2023

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14 HIBISCUS LN, AYER, MA 01432-1547

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AYER MA
Property Address	14 HIBISCUS LN, AYER, MA 01432-1547
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	76431-281
Date	Dec 15, 2020
Book Page	76431/281
Instrument	238660

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	373 Months
Due	Jan 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 14 Hibiscus Ln was $7,281.

Source: Middlesex County and Ayer Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
County Subdivision	Ayer Town
Unified School District	Ayer-Shirley School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,281.00	$608,800 Land $159,200 Building $449,600	$754,015 (+6.08%)
2024			$710,790
2023	$6,625.00	$533,400 Land $159,200 Building $374,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 14 Hibiscus Ln in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
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

Wildfire risk around 14 Hibiscus Ln is low, with less than 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 96% of the US · lower than 92% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: T-Mobile.

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