Middlesex County and Ayer Town property record for 20 Cambridge St, Ayer, MA 01432 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 2.5 Baths |
| Year Built | Built 1988 |
| Square Footage | 2,405 sqft Living Area |
| Lot Size | 7,405 sqft (0.17 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $350,900 (2006) |
| Tax Bill | $6,772.00 (2025) |
| Primary APN | AYER M:026 B:0000 L:0210 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Partial Baths | 1 Partial Baths |
| Total Rooms | 8 Rooms |
| Building Area | 2,405 sqft Living Area |
| Gross Area | 3,316 sqft Gross Area |
| Basement Area | 896 sqft Basement |
| Unfinished Basement | 896 sqft Unfinished |
| Stories | 3 Stories |
| Year Built | Built 1865 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Conventional Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Construction Type | Stone Construction |
| Roof Construction | Gable Roof Construction |
| Roof Material | Asphalt Roof |
| Lot Area | 7,405 sqft (0.17 acres) |
| Garage Type | Detached Garage |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Heating Fuel | Gas Heating Fuel |
| Street Address | 20 CAMBRIDGE ST |
|---|---|
| City | AYER |
| State | MA |
| Zip | 01432-1344 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Lot Number | 210 |
| Jurisdiction | AYER MA |
| Minor Civil Division | AYER |
| Census Blockgroup | 3 |
| Census Block | 3014 |
| Census Tract | 325102 |
Source: Middlesex County and Ayer Town records · APN AYER M:026 B:0000 L:0210
Assessment roll updated April 14, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 20 CAMBRIDGE ST, AYER, MA 01432-1344 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Mar 27, 2026 | Deed of Trust, Mortgage · Line of Credit MIDDLESEX SAVINGS BANK |
| Sep 30, 2020 | Deed of Trust, Mortgage · Stand Alone Refinance FIRST HOME BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 31, 2006 · Amount on Record |
| Deed Sale | Aug 31, 2006 · Amount on Record |
| Prior Sale | Apr 14, 1994 · Amount on Record |
| Deed Doc Number | 2006167485 |
| Deed Book / Page | 48094 / 596 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AYER MA |
| Property Address | 20 CAMBRIDGE ST, AYER, MA 01432-1344 |
| Transaction Type | Mortgage |
| Record Updated | Apr 15, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0085398-87 |
|---|---|
| Date | Mar 27, 2026 |
| Book Page | 85398/87 |
| Instrument | 33984 |
| Name | MIDDLESEX SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2056 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AYER MA |
| Property Address | 20 CAMBRIDGE ST, AYER, MA 01432-1344 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 75773-541 |
|---|---|
| Date | Sep 30, 2020 |
| Book Page | 75773/541 |
| Instrument | 176008 |
| Name | FIRST HOME BANK |
|---|
| Type | Stand Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Oct 01, 2040 |
Source: Middlesex County and Ayer Town records · Assessment roll updated April 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Ayer Town |
| Unified School District | Ayer-Shirley School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,772.00 (+17.59%) | $566,200 (+22.1%) Land $133,900 Building $432,300 | $603,535 (+2.9%) |
| 2024 | $586,530 | ||
| 2023 | $5,759.00 | $463,700 Land $125,600 Building $338,100 |
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