28 Calvin St, Ayer, MA 01432 Property Records

Middlesex County and Ayer Town property record for 28 Calvin St, Ayer, MA 01432

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,964 sqft · built 1999
Lot Size	0.36 acres (15,682 sqft)
Owner	2 Individual Names on File
Tax Bill	$6,865 (2025)
Deeds & Mortgages	Jul 2021 Refinance Dec 2021 Refinance
Flood Zone	Zone X (moderate risk)
APN	`AYER M:021 B:0000 L:0098`

Property Details

APN / Parcel Number

Primary APN	`AYER M:021 B:0000 L:0098`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,964 sqft Living Area
Gross Area	2,220 sqft
1st Floor Area	1,718 sqft
Basement Area	768 sqft
Unfinished Basement	768 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	Gable
Roof Material	Asphalt
Lot Area	15,682 sqft (0.36 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	28 CALVIN ST
City	AYER
State	MA
Zip	01432-1578
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A2
Legal Lot Number	98
Jurisdiction	AYER MA
Township / Civil Division	AYER
Census Block Group	2
Census Block	2014
Census Tract	325101

Owner

Source: Middlesex County and Ayer Town assessment roll, as of April 14, 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 File
Mailing Address	28 CALVIN ST, AYER, MA 01432-1578
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 7, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance LEADER BANK NA
Dec 22, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance I-C FCU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 1, 2013
Deed Sale	Aug 1, 2013
Deed Document Number	201316
Deed Book / Page	62367 / 595
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AYER MA
Property Address	28 CALVIN ST, AYER, MA 01432-1578
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	078192-141
Date	Jul 7, 2021
Book Page	78192/141
Instrument	153372

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AYER MA
Property Address	28 CALVIN ST, AYER, MA 01432-1578
Transaction Type	Mortgage
Record Updated	Jan 7, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	079404-279
Date	Dec 22, 2021
Book Page	79404/279
Instrument	275587

Lender

Name	I-C FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	289 Months
Due	Jan 1, 2046

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	$6,865.00 (+11.25%)	$574,000 (+15.52%) Land $179,400 Building $394,600	$597,455 (+19.11%)
2024			$501,600
2023	$6,171.00	$496,900 Land $168,500 Building $328,400

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 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 at the parcel

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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