20 Calvin St, Ayer, MA 01432 Property Records

Middlesex County and Ayer Town property record for 20 Calvin St, Ayer, MA 01432

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,470 sqft · built 1999
Lot Size	0.46 acres (20,038 sqft)
Owner	2 Individual Names on Record
Last Sale	$392,000 (Dec 2017)
Tax Bill	$6,798 (2025)
Deeds & Mortgages	Apr 2024 Mortgage Jun 2020 Refinance + 1 more
Flood Zone	Zone X (moderate risk)
APN	`AYER M:021 B:0000 L:0094`

Property Details

APN / Parcel Number

Primary APN	`AYER M:021 B:0000 L:0094`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,470 sqft Living Area
Basement Area	720 sqft
Unfinished Basement	120 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2005
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,038 sqft (0.46 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	20 CALVIN ST
City	AYER
State	MA
Zip	01432-1578
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A2
Legal Lot Number	94
Jurisdiction	AYER MA
Township / Civil Division	AYER
Census Block Group	2
Census Block	2014
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	20 CALVIN ST, AYER, MA 01432-1578
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Apr 30, 2024	Deed of Trust, Mortgage · Second Mortgage (Down Payment) ROCKET MORTGAGE
Jun 2, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Dec 20, 2017	Quit Claim Deed, Transfer WEICHERT FNCL SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 20, 2017 · Amount on Record
Deed Sale	Dec 20, 2017 · Amount on Record
Prior Sale	Jan 29, 1999 · Amount on Record
Deed Book / Page	70417 / 25
Transfer Doc	0070417-25
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AYER MA
Property Address	20 CALVIN ST, AYER, MA 01432-1578
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	082715-349
Date	Apr 30, 2024
Book Page	82715/349
Instrument	43295

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	121 Months
Due	May 1, 2034

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AYER MA
Property Address	20 CALVIN ST, AYER, MA 01432-1578
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	74802-190
Date	Jun 2, 2020
Book Page	74802/190
Instrument	84192

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Jul 1, 2035

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	AYER MA
Recording Date	Dec 20, 2017
Property Address	20 CALVIN ST, AYER, MA 01432-1578
Document Number	70417-25
Book / Page	70417 / 25
Instrument	206675
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$49.16
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 CALVIN ST, AYER, MA 01432-1578

Mortgage

Document Number	704170028
Date	Dec 20, 2017
Instrument	70417/0028

Lender

Name	WEICHERT FNCL SVCS

Agreement

Amount	Amount Recorded
Term	372 Months
Due	Dec 20, 2048

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	$6,798.00 (+11.13%)	$568,400 (+15.41%) Land $185,300 Building $383,100	$543,970 (+14.5%)
2024			$475,095
2023	$6,117.00	$492,500 Land $174,000 Building $318,500

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
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 65% of the US · above 99.3% 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 84 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

Cell Coverage

5G (outdoors only) and 4G LTE

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