16 Oak Ridge Dr, Ayer, MA 01432 Property Records

Middlesex County and Ayer Town property record for 16 Oak Ridge Dr, Ayer, MA 01432

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 947 sqft · built 1998
Lot Size	0.43 acres (18,731 sqft)
Owner	2 Individual Names on Record
Last Sale	$464,950 (Dec 2022)
Tax Bill	$5,691 (2025)
Deeds & Mortgages	Dec 2022 Sale & Mortgage Jun 2021 Sale & Mortgage
Flood Zone	Zone A (high risk)
APN	`AYER M:020 B:0000 L:0042`

Property Details

APN / Parcel Number

Primary APN	`AYER M:020 B:0000 L:0042`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	947 sqft Living Area
Basement Area	906 sqft
Unfinished Basement	226 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2005
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	18,731 sqft (0.43 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	16 OAK RIDGE DR
City	AYER
State	MA
Zip	01432-1413
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A2
Legal Lot Number	42
Jurisdiction	AYER MA
Township / Civil Division	AYER
Census Block Group	2
Census Block	2007
Census Tract	325101

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	2 Individual Names on Record
Mailing Address	16 OAK RIDGE DR, AYER, MA 01432-1413
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 15, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage BLUESTONE BANK
Jun 28, 2021	Quit Claim Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 15, 2022 · Amount on Record
Deed Sale	Dec 15, 2022 · Amount on Record
Prior Sale	Jun 28, 2021 · Amount on Record
Deed Book / Page	81062 / 191
Record Updated	Oct 29, 2026

December 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	AYER MA
Recording Date	Dec 15, 2022
Property Address	16 OAK RIDGE DR, AYER, MA 01432-1413
Document Number	081062-191
Book / Page	81062 / 191
Instrument Date	Dec 15, 2022
Instrument	182252
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	16 OAK RIDGE DR, AYER, MA 01432-1413

Mortgage

Document Number	0000182253
Date	Dec 15, 2022
Instrument	182253

Lender

Name	BLUESTONE BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

June 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	AYER MA
Recording Date	Jun 28, 2021
Property Address	16 OAK RIDGE DR, AYER, MA 01432-1413
Document Number	078109-342
Book / Page	78109 / 342
Instrument Date	Jun 25, 2021
Instrument	144833
Transaction Type	Transfer
Record Updated	Jan 17, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 OAK RIDGE DR, AYER, MA 01432-1413

Mortgage

Document Number	0000144834
Date	Jun 28, 2021
Instrument	144834

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

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	$5,691.00 (+12.56%)	$475,800 (+16.88%) Land $183,300 Building $292,500	$512,145 (+5.98%)
2024			$483,265
2023	$5,056.00	$407,100 Land $172,400 Building $234,700

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 92% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 162 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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