Middlesex County and Ayer Town property record for 15 Calvin St, Ayer, MA 01432
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,256 sqft · built 1999 |
| Lot Size | 0.9 acres (39,204 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $533,000 (Oct 2019) |
| Tax Bill | $8,604 (2025) |
| Deeds & Mortgages | Jun 2023 Mortgage Oct 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | AYER M:021 B:0000 L:0093 |
| Primary APN | AYER M:021 B:0000 L:0093 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,256 sqft Living Area |
| Basement Area | 864 sqft |
| Unfinished Basement | 864 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 39,204 sqft (0.9 acres) |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Street Address | 15 CALVIN ST |
|---|---|
| City | AYER |
| State | MA |
| Zip | 01432-1502 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A2 |
| Legal Lot Number | 93 |
| Jurisdiction | AYER MA |
| Township / Civil Division | AYER |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 325101 |
15 Calvin St is owned and occupied by two individuals who bought it in October 2019.
Source: Middlesex County and Ayer Town records, as of July 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 15 CALVIN ST, AYER, MA 01432-1502 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Jun 20, 2023 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) MIT FCU |
| Oct 23, 2019 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage MEMBERS MORTGAGE COMPANY INC |
| Aug 22, 2017 | Quit Claim Deed, Transfer · Conventional with PMI MORTGAGE NTWK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 23, 2019 · Amount on File |
| Deed Sale | Oct 23, 2019 · Amount on File |
| Prior Sale | Aug 22, 2017 · Amount on File |
| Deed Document Number | 2019163448 |
| Deed Book / Page | 73506 / 160 |
| Prior Transfer Date | Oct 21, 2019 |
| Prior Transfer Doc | 73506-160 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AYER MA |
| Property Address | 15 CALVIN ST, AYER, MA 01432-1502 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 081671-463 |
|---|---|
| Date | Jun 20, 2023 |
| Book Page | 81671/463 |
| Instrument | 65720 |
| Name | MIT FCU |
|---|---|
| Type | Credit Union |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount on Record |
| Term | 109 Months |
| Due | Jul 1, 2032 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | AYER MA |
| Recording Date | Oct 23, 2019 |
| Property Address | 15 CALVIN ST, AYER, MA 01432-1502 |
| Document Number | 73506-160 |
| Book / Page | 73506 / 160 |
| Instrument Date | Oct 21, 2019 |
| Instrument | 163448 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 15 CALVIN ST, AYER, MA 01432-1502 |
| Document Number | 163449 |
|---|---|
| Date | Oct 23, 2019 |
| Instrument | 163449 |
| Name | MEMBERS MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | AYER MA |
| Recording Date | Aug 22, 2017 |
| Property Address | 15 CALVIN ST, AYER, MA 01432-1502 |
| Document Number | 69807-87 |
| Book / Page | 069807 / 000087 |
| Instrument Date | Aug 21, 2017 |
| Instrument | 134199 |
| Transaction Type | Transfer |
| Record Updated | Sep 12, 2017 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,193.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 15 CALVIN ST AYER MA 014321502, AYER, MA 01432-1502 |
| Document Number | 69807-89 |
|---|---|
| Date | Aug 22, 2017 |
| Book Page | 069807/000089 |
| Instrument | 134200 |
| Name | MORTGAGE NTWK |
|---|---|
| Type | Mortgage Company |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 21, 2047 |
The 2025 property tax bill for 15 Calvin St was $8,604.
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 | $8,604.00 | $719,400 Land $199,000 Building $520,400 | $767,220 (+18.9%) |
| 2024 | $645,240 | ||
| 2023 | $7,758.00 | $624,600 Land $187,700 Building $436,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 15 Calvin St in Zone X, an area of minimal flood risk, within 500 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 500 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.
The area around 15 Calvin St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 84 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 |
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