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2 Pearl St, Ayer, MA 01432 Property Records

Middlesex County and Ayer Town property record for 2 Pearl St, Ayer, MA 01432

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 1,178 sqft · built 1900
Lot Size0.117 acres (5,083 sqft)
Owner2 Individual Names on Record
Last Sale$310,000 (Oct 2020)
Tax Bill$4,503 (2025)
Deeds & MortgagesOct 2025 Mortgage
Oct 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APNAYER M:026 B:0000 L:0113

Property Details

APN / Parcel Number

Primary APNAYER M:026 B:0000 L:0113

Interior

Bedrooms3 Beds
Full Baths1 Bath
Total Rooms6 Rooms
Stories2 Stories
Building Area1,178 sqft Living Area
Basement Area683 sqft
Unfinished Basement683 sqft

Exterior

Year BuiltBuilt 1900
Effective Year BuiltEffective 1988
Architectural StyleConventional
Exterior MaterialAluminum/Vinyl
Construction TypeStone
Roof TypeGable
Roof MaterialAsphalt
Lot Area5,083 sqft (0.117 acres)

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Heating FuelGas

Location & Zoning

Street Address2 PEARL ST
CityAYER
StateMA
Zip01432-1311
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeGR
Legal Lot Number113
JurisdictionAYER MA
Township / Civil DivisionAYER
Census Block Group5
Census Block5002
Census Tract325102

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 Record2 Individual Names on Record
Mailing Address2 PEARL ST, AYER, MA 01432-1311
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Oct 2, 2025Deed of Trust, Mortgage · Conventional Mortgage
MORTGAGE RESEARCH CENTER LLC
Oct 30, 2020Quit Claim Deed, Transfer · FHA Mortgage
RESIDENTIAL MORTGAGE SERVICES

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleOct 30, 2020 · Amount on Record
Deed SaleOct 30, 2020 · Amount on Record
Prior SaleJun 25, 2004 · Amount on Record
Deed Document Number20201343
Deed Book / Page76040 / 446
Record UpdatedSep 20, 2026

October 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionAYER MA
Property Address2 PEARL ST, AYER, MA 01432-1311
Transaction TypeMortgage
Record UpdatedNov 25, 2025

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number00084688-6
DateOct 2, 2025
Book Page84688/6
Instrument119620
Lender
NameMORTGAGE RESEARCH CENTER LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueNov 1, 2055

October 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionAYER MA
Recording DateOct 30, 2020
Property Address2 PEARL ST, AYER, MA 01432-1311
Document Number76040-446
Book / Page76040 / 446
Instrument DateOct 26, 2020
Instrument201343
Transaction TypeTransfer
Record UpdatedMay 12, 2021

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address2 PEARL ST, AYER, MA 01432-1311

Mortgage

Document Number201344
DateOct 30, 2020
Instrument201344
Lender
NameRESIDENTIAL MORTGAGE SERVICES
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded

Tax Assessment & Valuation

Source: Middlesex County and Ayer Town assessment roll, as of April 14, 2026

Property Jurisdictions

TypeName
StateMassachusetts
CountyMiddlesex County
County SubdivisionAyer Town
Unified School DistrictAyer-Shirley School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,503.00 (+15.49%)$376,500 (+19.94%) Land $129,100 Building $247,400$409,830 (+4.38%)
2024$392,635
2023$3,899.00$313,900 Land $120,800 Building $193,100

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies4 in force
Nearby Flood Claims1 (2023)
Most Recent ClaimJul 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

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

Wildfire RiskLow
lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood0.01% annual chance
ExposureIndirect
within ember reach

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 SystemAYER DPW WATER DIVISION
serves 8,479 people · EPA ID MA2019000
Water SourceGroundwater
Last State InspectionJun 2024
Lead1 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 299 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 2,000
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20
AT&T
Fixed Wireless		100 / 20

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