25 Calvin St, Ayer, MA 01432 Property Records

Middlesex County and Ayer Town property record for 25 Calvin St, Ayer, MA 01432

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,072 sqft · built 1998
Lot Size	0.33 acres (14,375 sqft)
Owner	Individual Name on Record
Last Sale	$735,000 (Aug 2025)
Tax Bill	$6,810 (2025)
Deeds & Mortgages	Aug 2025 Sale & Mortgage Oct 2021 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`AYER M:021 B:0000 L:0088`

Property Details

APN / Parcel Number

Primary APN	`AYER M:021 B:0000 L:0088`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,072 sqft Living Area
Basement Area	1,172 sqft
Unfinished Basement	1,172 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2005
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,375 sqft (0.33 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	25 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	88
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	Individual Name on Record
Mailing Address	25 CALVIN ST, AYER, MA 01432-1502
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Aug 19, 2025	Quit Claim Deed, Transfer · Conventional Mortgage CMG MORTGAGE INC
Oct 20, 2021	Quit Claim Deed, Transfer · Conventional Mortgage BANGOR SAVINGS BANK
Jun 14, 2017	Deed of Trust, Mortgage · ARM MAIN STREET BANK (GA)
Mar 17, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance CROSSCOUNTRY MORTGAGE INC
Mar 2, 2018	Quit Claim Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 19, 2025 · Amount on Record
Deed Sale	Aug 19, 2025 · Amount on Record
Prior Sale	Oct 20, 2021 · Amount on Record
Deed Book / Page	84510 / 417
Record Updated	Oct 29, 2026

August 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	AYER MA
Recording Date	Aug 19, 2025
Property Address	25 CALVIN ST, AYER, MA 01432-1502
Document Number	084510-417
Book / Page	84510 / 417
Instrument Date	Aug 19, 2025
Instrument	99528
Transaction Type	Transfer
Record Updated	Jan 26, 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
Address	25 CALVIN ST, AYER, MA 01432-1502

Mortgage

Document Number	0000099529
Date	Aug 19, 2025
Instrument	99529

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2055

October 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	AYER MA
Recording Date	Oct 20, 2021
Property Address	25 CALVIN ST, AYER, MA 01432-1502
Document Number	078948-406
Book / Page	78948 / 406
Instrument Date	Oct 15, 2021
Instrument	229727
Transaction Type	Transfer
Record Updated	Jan 26, 2026

Transaction

Amount	Amount Recorded
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
Address	25 CALVIN ST, AYER, MA 01432-1502
Investor	Possibly a Property Investor

Mortgage

Document Number	0000229728
Date	Oct 20, 2021
Instrument	229728

Lender

Name	BANGOR SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AYER MA
Property Address	25 CALVIN ST, AYER, MA 01432-1502
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	69426-360
Date	Jun 14, 2017
Book Page	69426/360
Instrument	88944

Lender

Name	MAIN STREET BANK (GA)

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.25%

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AYER MA
Property Address	25 CALVIN ST, AYER, MA 01432-1502
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	74293-139
Date	Mar 17, 2020
Book Page	74293/139
Instrument	39024

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	AYER MA
Recording Date	Mar 2, 2018
Property Address	25 CALVIN ST, AYER, MA 01432-1502
Document Number	70695-31
Book / Page	70695 / 31
Instrument	29630
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$52.67
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
Address	25 CALVIN ST, AYER, MA 01432-1502

Mortgage

Document Number	706950034
Date	Mar 2, 2018
Instrument	70695/0034

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 2, 2048

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	$6,810.00 (+11.2%)	$569,400 (+15.47%) Land $177,500 Building $391,900	$688,750 (+18.25%)
2024			$582,445
2023	$6,124.00	$493,100 Land $167,100 Building $326,000

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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