Middlesex County and Ayer Town property record for 189 W Main St, Ayer, MA 01432
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 829 sqft · built 1916 |
| Lot Size | 0.11 acres (4,792 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,358 (2025) |
| Deeds & Mortgages | Aug 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | AYER M:032 B:0000 L:0019 |
| Primary APN | AYER M:032 B:0000 L:0019 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 829 sqft Living Area |
| Basement Area | 576 sqft |
| Unfinished Basement | 576 sqft |
| Year Built | Built 1916 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 4,792 sqft (0.11 acres) |
| Heating System | Steam |
|---|---|
| Heating Fuel | Oil |
| Street Address | 189 W MAIN ST |
|---|---|
| City | AYER |
| State | MA |
| Zip | 01432-1225 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | GB |
| Legal Lot Number | 19 |
| Jurisdiction | AYER MA |
| Township / Civil Division | AYER |
| Census Block Group | 5 |
| Census Block | 5034 |
| Census Tract | 325102 |
189 W Main St is owned and occupied by an individual who acquired it in August 2014.
Source: Middlesex County and Ayer Town records, as of July 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 189 W MAIN ST, AYER, MA 01432-1225 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 11, 2014 |
| Deed Sale | Aug 11, 2014 |
| Prior Sale | Sep 22, 2011 · Amount on File |
| Deed Document Number | 2014118773 |
| Deed Book / Page | 64059 / 337 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AYER MA |
| Property Address | 189 W MAIN ST, AYER, MA 01432-1225 |
| Transaction Type | Mortgage |
| Record Updated | Aug 27, 2021 |
| Name | Verified Name |
|---|
| Document Number | 78450-553 |
|---|---|
| Date | Aug 11, 2021 |
| Book Page | 78450/553 |
| Instrument | 180159 |
| Name | TOTAL MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2051 |
The 2025 property tax bill for 189 W Main St was $3,358.
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 | $3,358.00 | $280,800 Land $104,200 Building $176,600 | $343,425 (+17.75%) |
| 2024 | $291,650 | ||
| 2023 | $2,940.00 | $236,700 Land $98,100 Building $138,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 189 W Main 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 | 4 in force |
| Nearby Flood Claims | 1 (2023) |
| Most Recent Claim | Jul 2023 · tidal / storm surge |
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 risk around 189 W Main St is low, with a 0.01% annual chance of 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 | 0.01% annual chance |
| Exposure | None beyond 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 12 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 |
May also be available: T-Mobile.
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