27 Calvin St, Ayer, MA 01432 Property Records

Middlesex County and Ayer Town property record for 27 Calvin St, Ayer, MA 01432

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,764 sqft · built 1998
Lot Size	0.29 acres (12,632 sqft)
Owner	2 Individual Names on Record
Last Sale	$550,000 (Feb 2023)
Tax Bill	$6,420 (2025)
Deeds & Mortgages	Feb 2023 Sale & Mortgage Aug 2021 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`AYER M:021 B:0000 L:0087`

Property Details

APN / Parcel Number

Primary APN	`AYER M:021 B:0000 L:0087`

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
Gross Area	4,744 sqft
1st Floor Area	1,144 sqft
Basement Area	864 sqft
Unfinished Basement	864 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	12,632 sqft (0.29 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	27 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	87
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	27 CALVIN ST, AYER, MA 01432-1502
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 14, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage PNC BANK NA
Aug 9, 2021	Quit Claim Deed, Transfer · Stand-Alone Refinance HOME POINT FINANCIAL CORPORATION
Aug 9, 2021	Quit Claim Deed, Transfer · Stand-Alone Refinance HOME POINT FINANCIAL CORPORATION
Sep 28, 2018	Quit Claim Deed, Transfer HOME POINT FINL CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 14, 2023 · Amount on Record
Deed Sale	Feb 14, 2023 · Amount on Record
Prior Sale	Sep 28, 2018 · Amount on Record
Deed Book / Page	81249 / 101
Record Updated	Oct 29, 2026

February 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	AYER MA
Recording Date	Feb 14, 2023
Property Address	27 CALVIN ST, AYER, MA 01432-1502
Document Number	081249-101
Book / Page	81249 / 101
Instrument Date	Feb 14, 2023
Instrument	15814
Transaction Type	Transfer
Record Updated	Nov 20, 2025

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	27 CALVIN ST, AYER, MA 01432-1502

Mortgage

Document Number	0000015815
Date	Feb 14, 2023
Instrument	15815

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

August 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	AYER MA
Recording Date	Aug 9, 2021
Property Address	27 CALVIN ST, AYER, MA 01432-1502
Document Number	78427-323
Book / Page	78427 / 323
Instrument Date	Jul 30, 2021
Instrument	177916
Transaction Type	Transfer
Record Updated	Aug 27, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	27 CALVIN ST, AYER, MA 01432-1502

Mortgage

Document Number	78427-327
Date	Aug 9, 2021
Book Page	78427/327
Instrument	177917

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Government Agency

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2036

August 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	AYER MA
Recording Date	Aug 9, 2021
Property Address	27 CALVIN ST, AYER, MA 01432-1502
Document Number	078427-323
Book / Page	78427 / 323
Instrument Date	Jul 30, 2021
Instrument	177916
Transaction Type	Transfer
Record Updated	Jul 26, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	27 CALVIN ST, AYER, MA 01432-1502
Investor	Possibly a Property Investor

Mortgage

Document Number	0000177917
Date	Aug 9, 2021
Instrument	177917

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Government Agency

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2036

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	AYER MA
Recording Date	Sep 28, 2018
Property Address	27 CALVIN ST, AYER, MA 01432-1502
Document Number	71682-159
Book / Page	71682 / 159
Instrument	150308
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$48.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	716820161
Date	Sep 28, 2018
Instrument	71682/0161

Lender

Name	HOME POINT FINL CORP

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 28, 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	$6,420.00 (+11.13%)	$536,800 (+15.42%) Land $175,300 Building $361,500	$624,910 (+9.4%)
2024			$571,235
2023	$5,777.00	$465,100 Land $164,400 Building $300,700

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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