Middlesex County and Ayer Town property record for 147 W Main St, Ayer, MA 01432
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,775 sqft · built 1988 |
| Lot Size | 2.92 acres (127,195 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $75,000 (Aug 1997) |
| Tax Bill | $6,242 (2025) |
| Deeds & Mortgages | Jan 2022 Refinance Jan 2021 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | AYER M:032 B:0000 L:0005 |
| Primary APN | AYER M:032 B:0000 L:0005 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,775 sqft Living Area |
| Basement Area | 1,719 sqft |
| Unfinished Basement | 1,719 sqft |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 127,195 sqft (2.92 acres) |
| Total Buildings | 2 Buildings |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Street Address | 147 W MAIN ST |
|---|---|
| City | AYER |
| State | MA |
| Zip | 01432-1229 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | GR |
| Legal Lot Number | 5 |
| Jurisdiction | AYER MA |
| Township / Civil Division | AYER |
| Census Block Group | 5 |
| Census Block | 5018 |
| Census Tract | 325102 |
147 W Main St is owned and occupied by two individuals who bought it in August 1997.
Source: Middlesex County and Ayer Town records, as of July 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 147 W MAIN ST, AYER, MA 01432-1229 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Estate |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 28, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance READING COOPERATIVE BANK |
| Jan 29, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance RIVER CITY MORTGAGE LLC |
| Nov 6, 2019 | Deed of Trust, Mortgage · VA Mortgage HARBORONE MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 27, 1997 · Amount on File |
| Deed Sale | Aug 27, 1997 · Amount on File |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AYER MA |
| Property Address | 147 W MAIN ST, AYER, MA 01432-1229 |
| Transaction Type | Mortgage |
| Record Updated | Feb 11, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0079605-47 |
|---|---|
| Date | Jan 28, 2022 |
| Book Page | 79605/47 |
| Instrument | 15423 |
| Name | READING COOPERATIVE BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 85 Months |
| Due | Feb 1, 2029 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AYER MA |
| Property Address | 147 W MAIN ST, AYER, MA 01432-1229 |
| Transaction Type | Mortgage |
| Record Updated | Feb 12, 2021 |
| Name | Verified Name |
|---|
| Document Number | 76837-189 |
|---|---|
| Date | Jan 29, 2021 |
| Book Page | 76837/189 |
| Instrument | 21980 |
| Name | RIVER CITY MORTGAGE LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AYER MA |
| Property Address | 147 W MAIN ST, AYER, MA 01432-1229 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 73605-50 |
|---|---|
| Date | Nov 6, 2019 |
| Book Page | 73605/50 |
| Instrument | 173397 |
| Name | HARBORONE MORTGAGE |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2049 |
The 2025 property tax bill for 147 W Main St was $6,242.
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 | $6,242.00 | $521,900 Land $133,900 Building $388,000 | $622,250 (+13.2%) |
| 2024 | $549,670 | ||
| 2023 | $5,425.00 | $436,800 Land $133,900 Building $302,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 147 W Main St 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 AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 1 (2023) |
| Most Recent Claim | Jul 2023 · tidal / storm surge |
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 risk around 147 W Main St is low, with 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 80% of the US · above 57% of Massachusetts |
|---|---|
| Wildfire Likelihood | 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.
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 92 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 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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