23 Calvin St, Ayer, MA 01432 Property Records

Middlesex County and Ayer Town property record for 23 Calvin St, Ayer, MA 01432

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,764 sqft · built 1999
Lot Size	0.34 acres (14,810 sqft)
Owner	2 Individual Names on Record
Last Sale	$700,000 (Feb 2026)
Tax Bill	$6,674 (2025)
Deeds & Mortgages	Feb 2025 Line of Credit Feb 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`AYER M:021 B:0000 L:0089`

Property Details

APN / Parcel Number

Primary APN	`AYER M:021 B:0000 L:0089`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,764 sqft Living Area
Basement Area	864 sqft
Unfinished Basement	864 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2005
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Concrete
Roof Type	Hip
Roof Material	Asphalt
Lot Area	14,810 sqft (0.34 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	23 CALVIN ST
City	AYER
State	MA
Zip	01432-1502
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A2
Legal Lot Number	89
Jurisdiction	AYER MA
Township / Civil Division	AYER
Census Block Group	2
Census Block	2007
Census Tract	325101

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 Record	2 Individual Names on Record
Mailing Address	23 CALVIN ST, AYER, MA 01432-1502
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Feb 21, 2025	Deed of Trust, Mortgage · Line of Credit TD BANK NA
Feb 2, 2026	Quit Claim Deed, Transfer · Conventional Mortgage DIGITAL FCU
Nov 29, 2018	Quit Claim Deed, Transfer NORTHPOINT MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 2, 2026 · Amount on Record
Deed Sale	Feb 2, 2026 · Amount on Record
Prior Sale	Nov 29, 2018 · Amount on Record
Deed Document Number	202611371
Deed Book / Page	85182 / 118
Prior Transfer Date	Jan 30, 2026
Prior Transfer Doc	085182-118
Record Updated	Oct 29, 2026

February 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AYER MA
Property Address	23 CALVIN ST, AYER, MA 01432-1502
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00083786-8
Date	Feb 21, 2025
Book Page	83786/8
Instrument	17700

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2055

Interest

Rate Type	Adjustable Rate

February 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	AYER MA
Recording Date	Feb 2, 2026
Property Address	23 CALVIN ST, AYER, MA 01432-1502
Document Number	085182-118
Book / Page	85182 / 118
Instrument Date	Jan 30, 2026
Instrument	11371
Transaction Type	Transfer
Record Updated	Mar 6, 2026

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
Relationship	Tenants by the Entirety
Address	23 CALVIN ST, AYER, MA 01432-1502

Mortgage

Document Number	0000011372
Date	Feb 2, 2026
Instrument	11372

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Feb 1, 2031
Index	Other
Margin	3

November 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	AYER MA
Recording Date	Nov 29, 2018
Property Address	23 CALVIN ST, AYER, MA 01432-1502
Document Number	71938-367
Book / Page	71938 / 367
Instrument	181535
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$51.70
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants

Mortgage

Document Number	719380370
Date	Nov 29, 2018
Instrument	71938/0370

Lender

Name	NORTHPOINT MORTGAGE
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Nov 29, 2033

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	Assessed Market Value
2025	$6,674.00 (+11.18%)	$558,000 (+15.46%) Land $178,200 Building $379,800	$607,240 (+17.76%)
2024			$515,660
2023	$6,003.00	$483,300 Land $167,300 Building $316,000

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 Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	8 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 Risk	Low lower than 65% of the US · above 99.3% of Massachusetts
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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 84 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

Cell Coverage

5G (outdoors only) and 4G LTE

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