Middlesex County and Ayer Town property record for 15 Gardner Ln, Ayer, MA 01432 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,512 sqft · built 1992 |
| Lot Size | 3.12 acres (135,907 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $6,156 (2025) |
| Deeds & Mortgages | Jul 2020 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | AYER M:012 B:0000 L:0138 |
| Primary APN | AYER M:012 B:0000 L:0138 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,512 sqft Living Area |
| Basement Area | 864 sqft |
| Unfinished Basement | 216 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 135,907 sqft (3.12 acres) |
| Total Buildings | 2 Buildings |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 15 GARDNER LN |
|---|---|
| City | AYER |
| State | MA |
| Zip | 01432-1059 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Lot Number | 138 |
| Jurisdiction | AYER MA |
| Township / Civil Division | AYER |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 325102 |
Source: Middlesex County and Ayer Town records · APN AYER M:012 B:0000 L:0138
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 | 15 GARDNER LN, AYER, MA 01432-1059 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AYER MA |
| Property Address | 15 GARDNER LN, AYER, MA 01432-1059 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 75093-365 |
|---|---|
| Date | Jul 13, 2020 |
| Book Page | 75093/365 |
| Instrument | 111617 |
| Name | HANSCOM FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Aug 01, 2030 |
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 | $6,156.00 (+7.3%) | $514,700 (+11.43%) Land $184,100 Building $330,600 | $550,525 (+1.93%) |
| 2024 | $540,075 | ||
| 2023 | $5,737.00 | $461,900 Land $184,100 Building $277,800 |
Source: FEMA National Flood Hazard Layer, Middlesex County (25017C), updated September 10, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250173251022, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 10 individual NFIP policies nearby |
| Nearby Flood Policies | 10 in force |
| Wildfire Risk | Low above 20% of the US · above 58% of Massachusetts |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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, availability as of December 31, 2025 · Published October 2026 · based on 206 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Xfinity | Cable | 2,000 / 2,000 |
| Verizon | Fixed Wireless | 300 / 20 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures