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21 Cambridge St, Ayer, MA 01432 Property Records

Middlesex County and Ayer Town property record for 21 Cambridge St, Ayer, MA 01432

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,395 sqft · built 1880
Lot Size0.34 acres (14,810 sqft)
OwnerIndividual Name on Record
Last Sale$93,500 (Sep 2011)
Tax Bill$5,084 (2025)
Deeds & MortgagesDec 2025 Mortgage
Dec 2022 Refinance
+ 1 more
Flood ZoneZone X (minimal risk)
APNAYER M:026 B:0000 L:0215

Property Details

APN / Parcel Number

Primary APNAYER M:026 B:0000 L:0215

Interior

Bedrooms4 Beds
Full Baths2 Baths
Total Rooms7 Rooms
Stories2 Stories
Building Area1,395 sqft Living Area
Gross Area2,336 sqft
Basement Area810 sqft
Unfinished Basement810 sqft

Exterior

Year BuiltBuilt 1880
Effective Year BuiltEffective 1988
Architectural StyleConventional
Exterior MaterialAluminum/Vinyl
Construction TypeStone
Roof TypeGable
Roof MaterialAsphalt
Lot Area14,810 sqft (0.34 acres)
Garage TypeDetached
Deck AreaDeck Area

Utilities, Heating & Cooling

Heating SystemSteam
Heating FuelOil

Location & Zoning

Street Address21 CAMBRIDGE ST
CityAYER
StateMA
Zip01432-1343
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeGR
Legal Lot Number215
JurisdictionAYER MA
Township / Civil DivisionAYER
Census Block Group3
Census Block3013
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 RecordIndividual Name on Record
Mailing Address21 CAMBRIDGE ST, AYER, MA 01432-1343
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Dec 1, 2025Deed of Trust, Mortgage · Conventional Mortgage
ROCKET MORTGAGE LLC
Dec 29, 2022Deed of Trust, Mortgage · Stand-Alone Refinance
ROCKET MORTGAGE
Oct 23, 2017Quit Claim Deed, Transfer
Quitclaim

Assessor's Deed Record

Deed NamesName on Deed
Last SaleSep 20, 2011 · Amount on Record
Deed SaleSep 20, 2011 · Amount on Record
Prior SaleSep 14, 2010 · Amount on Record
Deed Document Number201116
Deed Book / Page57474 / 19
Transfer Doc70117-50
Record UpdatedOct 29, 2026

December 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionAYER MA
Property Address21 CAMBRIDGE ST, AYER, MA 01432-1343
Transaction TypeMortgage
Record UpdatedDec 24, 2025

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number084946-529
DateDec 1, 2025
Book Page84946/529
Instrument146906
Lender
NameROCKET MORTGAGE LLC
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term349 Months
DueJan 1, 2055

December 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionAYER MA
Property Address21 CAMBRIDGE ST, AYER, MA 01432-1343
Transaction TypeMortgage
Record UpdatedJan 13, 2023

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number081118-448
DateDec 29, 2022
Book Page81118/448
Instrument188782
Lender
NameROCKET MORTGAGE
Agreement
TypeStand-Alone Refinance
AmountAmount Recorded
Term361 Months
DueJan 1, 2053

October 2017: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionAYER MA
Recording DateOct 23, 2017
Property Address21 CAMBRIDGE ST, AYER, MA 01432-1343
Document Number70117-50
Book / Page070117 / 000050
Instrument DateOct 6, 2017
Instrument1569
Transaction TypeTransfer
Record UpdatedNov 14, 2017

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address21 CAMBRIDGE ST AYER MA 014321343, AYER, MA 01432-1343

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$5,084.00 (+14.87%)$425,100 (+19.28%) Land $146,300 Building $278,800$430,255 (+1.5%)
2024$423,890
2023$4,426.00$356,400 Land $137,100 Building $219,300

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 Policies2 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 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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