148 Washington St, Ayer, MA 01432 Property Records

Middlesex County and Ayer Town property record for 148 Washington St, Ayer, MA 01432

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,296 sqft · built 1960
Lot Size	0.43 acres (18,731 sqft)
Owner	Individual Name on Record
Last Sale	$145,000 (Jun 2012)
Tax Bill	$4,034 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Dec 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`AYER M:013 B:0000 L:0032`

Property Details

APN / Parcel Number

Primary APN	`AYER M:013 B:0000 L:0032`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,296 sqft Living Area
Basement Area	864 sqft
Unfinished Basement	864 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1988
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	18,731 sqft (0.43 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	148 WASHINGTON ST
City	AYER
State	MA
Zip	01432-1128
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A2
Legal Lot Number	32
Jurisdiction	AYER MA
Township / Civil Division	AYER
Census Block Group	1
Census Block	1000
Census Tract	325102

Owner

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	Individual Name on Record
Mailing Address	148 WASHINGTON ST, AYER, MA 01432-1128
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 14, 2026	Deed of Trust, Mortgage USAA FSB
Dec 6, 2018	Deed of Trust, Mortgage · VA Mortgage USAA FSB
Apr 17, 2017	Deed of Trust, Mortgage · FHA Mortgage USAA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 22, 2012 · Amount on Record
Deed Sale	Jun 22, 2012 · Amount on Record
Deed Book / Page	59358 / 192
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AYER MA
Recording Date	Sep 14, 2026
Property Address	148 WASHINGTON ST, AYER, MA 01432-1128
Document Number	0000116300
Book / Page	86132 / 485
Instrument Date	Sep 4, 2026
Instrument	2026116300
Transaction Type	Mortgage
Record Updated	Oct 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	148 WASHINGTON ST, AYER, MA 01432-1128

Mortgage

Document Number	0000116300,
Date	Sep 14, 2026
Book Page	86132/485
Instrument	2026116300

Lender

Name	USAA FSB

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Max Rate	-1%

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AYER MA
Property Address	148 WASHINGTON ST, AYER, MA 01432-1128
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	71975-387
Date	Dec 6, 2018
Book Page	71975/387
Instrument	185928

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2049

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AYER MA
Property Address	148 WASHINGTON ST, AYER, MA 01432-1128
Document Number	69189-555
Book / Page	069189 / 000555
Instrument Date	Apr 17, 2017
Transaction Type	Mortgage
Record Updated	May 16, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	69189-555
Date	Apr 26, 2017
Book Page	069189/000555
Instrument	60358

Lender

Name	USAA

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 25, 2047

Tax Assessment & Valuation

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	$4,034.00 (+2.05%)	$337,300 (+5.97%) Land $150,000 Building $187,300	$362,140 (+11.49%)
2024			$324,805
2023	$3,953.00	$318,300 Land $161,000 Building $157,300

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

Flood

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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

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	0.02% annual chance
Exposure	Direct 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 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 130 locations within half a mile, as of December 31, 2025

Provider	Max 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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