Middlesex County and Ayer Town property record for 21 Prospect St, Ayer, MA 01432
| Property Type | Triplex |
|---|---|
| Details | 5 bd · 3 ba · 3,772 sqft · built 1830 |
| Lot Size | 0.34 acres (14,810 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $358,250 (Jul 2005) |
| Tax Bill | $6,901 (2025) |
| Deeds & Mortgages | Apr 2020 Refinance May 2020 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | AYER M:034 B:0000 L:0006 |
| Primary APN | AYER M:034 B:0000 L:0006 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 10 Rooms |
| Units | 3 Units |
| Stories | 2 Stories |
| Building Area | 3,772 sqft Living Area |
| Basement Area | 2,011 sqft |
| Unfinished Basement | 2,011 sqft |
| Year Built | Built 1830 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Construction Type | Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 14,810 sqft (0.34 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Street Address | 21 PROSPECT ST |
|---|---|
| City | AYER |
| State | MA |
| Zip | 01432-1853 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Triplex |
| Local Zoning Code | GR |
| Legal Lot Number | 6 |
| Jurisdiction | AYER MA |
| Township / Civil Division | AYER |
| Census Block Group | 4 |
| Census Block | 4013 |
| Census Tract | 325102 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 21 PROSPECT ST, AYER, MA 01432-1853 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 23, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance US BANK NA |
| May 18, 2020 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 26, 2005 · Amount on Record |
| Deed Sale | Jul 26, 2005 · Amount on Record |
| Prior Sale | Mar 2, 2005 |
| Deed Document Number | 2005156705 |
| Deed Book / Page | 45693 / 186 |
| Last Transfer Date | Apr 25, 2020 |
| Transfer Doc | 74693-453 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AYER MA |
| Property Address | 21 PROSPECT ST, AYER, MA 01432-1853 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 74524-248 |
|---|---|
| Date | Apr 23, 2020 |
| Book Page | 74524/248 |
| Instrument | 59785 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | AYER MA |
| Recording Date | May 18, 2020 |
| Property Address | 21 PROSPECT ST, AYER, MA 01432-1853 |
| Document Number | 74693-453 |
| Book / Page | 074693 / 000453 |
| Instrument Date | Apr 25, 2020 |
| Instrument | 74684 |
| Transaction Type | Transfer |
| Record Updated | Jun 2, 2020 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 21 PROSPECT ST AYER MA 014321853, AYER, MA 01432-1853 |
Source: Middlesex County and Ayer Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Ayer Town |
| Unified School District | Ayer-Shirley School District (PK - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $6,901.00 (+22.71%) | $577,000 (+27.43%) Land $146,800 Building $430,200 |
| 2023 | $5,624.00 | $452,800 Land $137,700 Building $315,100 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 | 6 in force |
| Nearby Flood Claims | 1 (2025) |
| Most Recent Claim | Jun 2025 · rainfall accumulation |
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 166 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 |
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