20 West St, Ayer, MA 01432 Property Records

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

Property Summary

Property Type	Apartments (5+ Units)
Details	6 bd · 4 ba · 3,115 sqft · built 1920
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on Record
Last Sale	$460,000 (Sep 2021)
Tax Bill	$6,578 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`AYER M:026 B:0000 L:0117`

Property Details

APN / Parcel Number

Primary APN	`AYER M:026 B:0000 L:0117`

Interior

Bedrooms	6 Beds
Full Baths	4 Baths
Total Rooms	15 Rooms
Units	4 Units
Stories	2 Stories
Building Area	3,115 sqft Living Area
Basement Area	1,669 sqft
Unfinished Basement	1,669 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

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	20 WEST ST
City	AYER
State	MA
Zip	01432-1394
Property Category	Residential
Property Type	Residential > Multi-Unit > Apartments (5+ Units)
Local Zoning Code	DB
Legal Lot Number	117
Jurisdiction	AYER MA
Township / Civil Division	AYER
Census Block Group	5
Census Block	5002
Census Tract	325102

Owner

Source: Middlesex County and Ayer Town records, as of April 14, 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 Record
Mailing Address	20 WEST ST, AYER, MA 01432-1394
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 17, 2021 · Amount on Record
Deed Sale	Sep 17, 2021 · Amount on Record
Prior Sale	Jul 1, 2010 · Amount on Record
Deed Document Number	2021207109
Deed Book / Page	78720 / 456
Record Updated	Oct 29, 2026

September 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	AYER MA
Recording Date	Sep 17, 2021
Property Address	20 WEST ST, AYER, MA 01432-1394
Document Number	78720-456
Book / Page	78720 / 456
Instrument Date	Sep 17, 2021
Instrument	207109
Transaction Type	Transfer
Record Updated	Oct 1, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
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 WEST ST, AYER, MA 01432-1394

Mortgage

Document Number	207110
Date	Sep 17, 2021
Instrument	207110

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

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
2025	$6,578.00 (+22.18%)	$550,000 (+26.87%) Land $135,500 Building $414,500
2023	$5,384.00	$433,500 Land $126,800 Building $306,700

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

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 minimal risk
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

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	Indirect 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 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 299 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20