188 Washington St, Ayer, MA 01432 Property Records

Middlesex County and Ayer Town property record for 188 Washington St, Ayer, MA 01432

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,336 sqft · built 1984
Lot Size	1.09 acres (47,480 sqft)
Owner	2 Individual Names on Record
Last Sale	$385,000 (Nov 2012)
Tax Bill	$8,849 (2025)
Deeds & Mortgages	Dec 2024 Mortgage Feb 2022 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`AYER M:004 B:0000 L:0012`

Property Details

APN / Parcel Number

Primary APN	`AYER M:004 B:0000 L:0012`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,336 sqft Living Area
Basement Area	2,336 sqft
Unfinished Basement	2,336 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1996
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	47,480 sqft (1.09 acres)
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Radiant
Heating Fuel	Electric

Location & Zoning

Street Address	188 WASHINGTON ST
City	AYER
State	MA
Zip	01432-1126
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A1
Legal Lot Number	12
Jurisdiction	AYER MA
Township / Civil Division	AYER
Census Block Group	2
Census Block	2003
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	2 Individual Names on Record
Mailing Address	188 WASHINGTON ST, AYER, MA 01432-1126
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 17, 2024	Deed of Trust, Mortgage · Second Mortgage (Down Payment) DREW MORTGAGE ASSOCIATES INC
Feb 18, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance DREW MORTGAGE ASSOCIATES INC
Nov 27, 2017	Deed of Trust, Mortgage · Closed-End Mortgage DREW MORTGAGE ASSOCIATES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 1, 2012 · Amount on Record
Deed Sale	Nov 1, 2012 · Amount on Record
Prior Sale	Oct 31, 2000 · Amount on Record
Deed Book / Page	60398 / 284
Transfer Doc	060398-284
Record Updated	Oct 29, 2026

December 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AYER MA
Property Address	188 WASHINGTON ST, AYER, MA 01432-1126
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	083592-354
Date	Dec 17, 2024
Book Page	83592/354
Instrument	144054

Lender

Name	DREW MORTGAGE ASSOCIATES INC
Type	Mortgage Company

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	253 Months
Due	Jan 1, 2046

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AYER MA
Property Address	188 WASHINGTON ST, AYER, MA 01432-1126
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0079708-82
Date	Feb 18, 2022
Book Page	79708/82
Instrument	26609

Lender

Name	DREW MORTGAGE ASSOCIATES INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AYER MA
Property Address	188 WASHINGTON ST, AYER, MA 01432-1126
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	70289-103
Date	Nov 27, 2017
Book Page	70289/103
Instrument	191727

Lender

Name	DREW MORTGAGE ASSOCIATES INC
Type	Mortgage Company

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 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	$8,849.00 (+12.33%)	$739,900 (+16.65%) Land $190,200 Building $549,700	$712,310 (+6.26%)
2024			$670,320
2023	$7,878.00	$634,300 Land $190,200 Building $444,100

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 10 policies
Nearby Flood Policies	10 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 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 42 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000

May also be available: Spectrum, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Washington St

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