20 Washington St, Ayer, MA 01432 Property Records

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

Property Summary

Property Type	Duplex
Details	7 bd · 3 ba · 3,586 sqft · built 1920
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on File
Last Sale	$342,500 (Oct 2004)
Tax Bill	$6,620 (2025)
Deeds & Mortgages	Nov 2022 Refinance
Flood Zone	Zone X (minimal risk)
APN	`AYER M:026 B:0000 L:0180`

Property Details

APN / Parcel Number

Primary APN	`AYER M:026 B:0000 L:0180`

Interior

Bedrooms	7 Beds
Full Baths	3 Baths
Total Rooms	12 Rooms
Units	2 Units
Stories	2 Stories
Building Area	3,586 sqft Living Area
Basement Area	1,742 sqft
Unfinished Basement	1,742 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1988
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,841 sqft (0.18 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	20 WASHINGTON ST
City	AYER
State	MA
Zip	01432-1693
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	DB
Legal Lot Number	180
Jurisdiction	AYER MA
Township / Civil Division	AYER
Census Block Group	1
Census Block	1012
Census Tract	325102

Owner

Source: Middlesex County and Ayer Town records · APN AYER M:026 B:0000 L:0180

Assessment roll updated April 14, 2026 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	20 WASHINGTON ST, AYER, MA 01432-1693
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 01, 2004 · Amount on Record
Deed Sale	Oct 01, 2004 · Amount on Record
Prior Sale	Feb 25, 2000 · Amount on Record
Deed Document Number	2004254408
Deed Book / Page	43826 / 76
Record Updated	Jun 08, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AYER MA
Property Address	20 WASHINGTON ST, AYER, MA 01432-1693
Transaction Type	Mortgage
Record Updated	Jan 02, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	081002-383
Date	Nov 30, 2022
Book Page	81002/383
Instrument	174952

Lender

Name	CORNERSTONE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Middlesex County and Ayer Town records · Assessment roll updated April 14, 2026 · Last verified April 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

Assessed value is set for property tax purposes and is not a market price estimate.

Year	Tax Bill	Assessed Value
2025	$6,620.00 (+24.06%)	$553,500 (+28.84%) Land $135,100 Building $418,400
2023	$5,336.00	$429,600 Land $126,400 Building $303,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 10, 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

Based on FCC filings for 299 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	AYER DPW WATER DIVISION serves 8,479 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.