Middlesex County and Ayer Town property record for 23 Fletcher St, Ayer, MA 01432
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,026 sqft · built 1907 |
| Lot Size | 0.38 acres (16,553 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $297,000 (Oct 2016) |
| Tax Bill | $5,923 (2025) |
| Deeds & Mortgages | Jul 2023 Mortgage Sep 2021 Refinance + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | AYER M:034 B:0000 L:0097 |
| Primary APN | AYER M:034 B:0000 L:0097 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,026 sqft Living Area |
| Basement Area | 704 sqft |
| Unfinished Basement | 704 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1907 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Construction Type | Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 16,553 sqft (0.38 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 23 FLETCHER ST |
|---|---|
| City | AYER |
| State | MA |
| Zip | 01432-1830 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A2 |
| Legal Lot Number | 97 |
| Jurisdiction | AYER MA |
| Township / Civil Division | AYER |
| Census Block Group | 4 |
| Census Block | 4018 |
| Census Tract | 325102 |
23 Fletcher St is owned and occupied by two individuals who bought it in October 2016.
Source: Middlesex County and Ayer Town records, as of July 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 23 FLETCHER ST, AYER, MA 01432-1830 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 28, 2023 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) DIGITAL FCU |
| Sep 28, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance NATIONSTAR MORTGAGE LLC |
| Sep 28, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance NATIONSTAR MORTGAGE LLC |
| Jun 29, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance MORTGAGE NETWORK INC |
| Sep 6, 2018 | Quit Claim Deed, Transfer · FHA Mortgage BBMC MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 6, 2016 · Amount on File |
| Deed Sale | Oct 6, 2016 · Amount on File |
| Prior Sale | Dec 27, 1988 · Amount on File |
| Deed Book / Page | 68164 / 307 |
| Transfer Doc | 068164-307 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AYER MA |
| Property Address | 23 FLETCHER ST, AYER, MA 01432-1830 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 081825-540 |
|---|---|
| Date | Jul 28, 2023 |
| Book Page | 81825/540 |
| Instrument | 83997 |
| Name | DIGITAL FCU |
|---|---|
| Type | Credit Union |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Aug 1, 2033 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AYER MA |
| Property Address | 23 FLETCHER ST, AYER, MA 01432-1830 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 078793-411 |
|---|---|
| Date | Sep 28, 2021 |
| Book Page | 78793/411 |
| Instrument | 214221 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Oct 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AYER MA |
| Property Address | 23 FLETCHER ST, AYER, MA 01432-1830 |
| Transaction Type | Mortgage |
| Record Updated | Oct 15, 2021 |
| Name | Verified Name |
|---|
| Document Number | 78793-411 |
|---|---|
| Date | Sep 28, 2021 |
| Book Page | 78793/411 |
| Instrument | 214221 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Oct 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AYER MA |
| Property Address | 23 FLETCHER ST, AYER, MA 01432-1830 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 74998-344 |
|---|---|
| Date | Jun 29, 2020 |
| Book Page | 74998/344 |
| Instrument | 102910 |
| Name | MORTGAGE NETWORK INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Jul 1, 2040 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | AYER MA |
| Recording Date | Sep 6, 2018 |
| Property Address | 23 FLETCHER ST, AYER, MA 01432-1830 |
| Document Number | 71582-201 |
| Book / Page | 71582 / 201 |
| Instrument | 137617 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Tax | $42.94 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 71582-204 |
|---|---|
| Date | Sep 6, 2018 |
| Book Page | 71582/204 |
| Instrument | 137618 |
| Name | BBMC MORTGAGE LLC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2048 |
The 2025 property tax bill for 23 Fletcher St was $5,923.
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 | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,923.00 | $495,200 Land $147,500 Building $347,700 | $495,330 (+0.79%) |
| 2024 | $491,435 | ||
| 2023 | $5,387.00 | $433,700 Land $158,500 Building $275,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 23 Fletcher St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 | 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.
Wildfire risk around 23 Fletcher St is low, with a 0.01% annual chance of 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 |
| Adjoins Burnable Land | Yes |
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 157 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 |
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