22 Howard St, Ayer, MA 01432 Property Records

Middlesex County and Ayer Town property record for 22 Howard St, Ayer, MA 01432 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,250 sqft · built 2008
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on File
Last Sale	$365,000 (Sep 2009)
Tax Bill	$7,357 (2025)
Deeds & Mortgages	Oct 2019 Refinance Jul 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`AYER M:019 B:0000 L:0207`

Property Details

APN / Parcel Number

Primary APN	`AYER M:019 B:0000 L:0207`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,250 sqft Living Area
Basement Area	1,020 sqft
Unfinished Basement	1,020 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2010
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,197 sqft (0.28 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	22 HOWARD ST
City	AYER
State	MA
Zip	01432-1139
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	207
Jurisdiction	AYER MA
Township / Civil Division	AYER
Census Block Group	1
Census Block	1002
Census Tract	325102

Owner

Source: Middlesex County and Ayer Town records · APN AYER M:019 B:0000 L:0207

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	22 HOWARD ST, AYER, MA 01432-1139
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Oct 08, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance JPMORGAN CHASE BANK NA
Jul 27, 2019	Deed of Trust, Mortgage · Line of Credit CITIZENS BK/RI

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 30, 2009 · Amount on Record
Deed Sale	Sep 30, 2009 · Amount on Record
Deed Document Number	2009191831
Deed Book / Page	53615 / 496
Record Updated	Sep 20, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AYER MA
Property Address	22 HOWARD ST, AYER, MA 01432-1139
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	73425-308
Date	Oct 08, 2019
Book Page	73425/308
Instrument	154759

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2049

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AYER MA
Property Address	22 HOWARD ST, AYER, MA 01432-1139
Document Number	73120-38
Instrument Date	Jul 27, 2019
Transaction Type	Mortgage
Record Updated	Sep 04, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 HOWARD ST AYER MA 014321139, AYER, MA 01432-1139

Mortgage

Document Number	73120-38
Date	Aug 16, 2019
Book Page	073120/000038
Instrument	121754

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Middlesex County and Ayer Town records · Assessment roll updated April 14, 2026 · Last verified July 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 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	$7,357.00 (+8.51%)	$615,100 (+12.68%) Land $142,200 Building $472,900	$678,395 (+3.45%)
2024			$655,785
2023	$6,780.00	$545,900 Land $152,800 Building $393,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Middlesex County (25017C), updated September 10, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Low above 20% of the US · above 58% of Massachusetts
Wildfire Likelihood	About 1 in 10,000 per year
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, availability as of December 31, 2025 · Published October 2026 · based on 130 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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