Middlesex County and Ayer Town property record for 14 Whitcomb Ave, Ayer, MA 01432
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,800 sqft · built 1979 |
| Lot Size | 0.3 acres (13,068 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $120,000 (Mar 1992) |
| Tax Bill | $5,602 (2025) |
| Deeds & Mortgages | Jan 2020 Refinance Apr 2021 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | AYER M:034 B:0000 L:0140 |
| Primary APN | AYER M:034 B:0000 L:0140 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,800 sqft Living Area |
| Basement Area | 1,008 sqft |
| Unfinished Basement | 1,008 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1993 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 13,068 sqft (0.3 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 14 WHITCOMB AVE |
|---|---|
| City | AYER |
| State | MA |
| Zip | 01432-1628 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A2 |
| Legal Lot Number | 140 |
| Jurisdiction | AYER MA |
| Township / Civil Division | AYER |
| Census Block Group | 4 |
| Census Block | 4016 |
| Census Tract | 325102 |
Source: Middlesex County and Ayer Town records · APN AYER M:034 B:0000 L:0140
Assessment roll updated April 14, 2026 · Last verified July 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 | 14 WHITCOMB AVE, AYER, MA 01432-1628 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Jan 13, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance MIDDLESEX SAVINGS BANK |
| Apr 27, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance CBC NATIONAL BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 25, 1992 · Amount on Record |
| Deed Sale | Mar 25, 1992 · Amount on Record |
| Prior Sale | Dec 03, 1991 · Amount on Record |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AYER MA |
| Property Address | 14 WHITCOMB AVE, AYER, MA 01432-1628 |
| Transaction Type | Mortgage |
| Record Updated | May 10, 2022 |
| Name | Verified Name |
|---|
| Document Number | 073975-375 |
|---|---|
| Date | Jan 13, 2020 |
| Book Page | 73975/375 |
| Instrument | 4827 |
| Name | MIDDLESEX SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Feb 01, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AYER MA |
| Property Address | 14 WHITCOMB AVE, AYER, MA 01432-1628 |
| Transaction Type | Mortgage |
| Record Updated | May 10, 2022 |
| Name | Verified Name |
|---|
| Document Number | 077609-129 |
|---|---|
| Date | Apr 27, 2021 |
| Book Page | 77609/129 |
| Instrument | 93749 |
| Name | CBC NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | May 01, 2031 |
Source: Middlesex County and Ayer Town records · Assessment roll updated April 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Ayer Town |
| Unified School District | Ayer-Shirley School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,602.00 (+5.58%) | $468,400 (+9.64%) Land $143,300 Building $325,100 | $496,565 (+0.89%) |
| 2024 | $492,195 | ||
| 2023 | $5,306.00 | $427,200 Land $154,100 Building $273,100 |
Source: FEMA National Flood Hazard Layer as of September 10, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 1 (2025) |
| Most Recent Claim | Jun 2025 · rainfall accumulation |
| Wildfire Risk | Low lower than 95% of the US · lower than 90% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
Based on FCC filings for 157 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | AYER DPW WATER DIVISION serves 8,479 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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