25 Willard St, Ayer, MA 01432 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,344 sqft · built 1940
Lot Size	0.26 acres (11,326 sqft)
Owner	2 Individual Names on Record
Last Sale	$220,500 (Oct 2013)
Tax Bill	$5,052 (2025)
Deeds & Mortgages	Feb 2022 Refinance Oct 2024 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`AYER M:035 B:0000 L:0059`

Property Details

APN / Parcel Number

Primary APN	`AYER M:035 B:0000 L:0059`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,344 sqft Living Area
Basement Area	672 sqft
Unfinished Basement	172 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1988
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,326 sqft (0.26 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	25 WILLARD ST
City	AYER
State	MA
Zip	01432-1725
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	GR
Legal Lot Number	59
Jurisdiction	AYER MA
Township / Civil Division	AYER
Census Block Group	1
Census Block	1008
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	25 WILLARD ST, AYER, MA 01432-1725
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Feb 22, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance US BANK NA
Oct 3, 2024	Deed of Trust, Mortgage · Line of Credit EASTERN BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 18, 2013 · Amount on Record
Deed Sale	Oct 18, 2013 · Amount on Record
Prior Sale	Jan 25, 2011 · Amount on Record
Deed Book / Page	62804 / 470
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AYER MA
Property Address	25 WILLARD ST, AYER, MA 01432-1725
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	079715-159
Date	Feb 22, 2022
Book Page	79715/159
Instrument	27352

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Mar 1, 2042

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AYER MA
Property Address	25 WILLARD ST, AYER, MA 01432-1725
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	083311-383
Date	Oct 3, 2024
Book Page	83311/383
Instrument	112222

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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	$5,052.00 (+14.04%)	$422,400 (+18.42%) Land $116,100 Building $306,300	$479,655 (-1.98%)
2024			$489,345
2023	$4,430.00	$356,700 Land $109,200 Building $247,500

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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 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.

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 224 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Spectrum.

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