Middlesex County and Ayer Town property record for 28 Pearl St, Ayer, MA 01432
| Property Type | Apartments (5+ Units) |
|---|---|
| Details | 5 bd · 5 ba · 3,100 sqft · built 1880 |
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $275,000 (Jan 2020) |
| Tax Bill | $5,762 (2025) |
| Deeds & Mortgages | Apr 2022 Line of Credit Jul 2021 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | AYER M:019 B:0000 L:0052 |
| Primary APN | AYER M:019 B:0000 L:0052 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 5 Baths |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 3,100 sqft Living Area |
| Basement Area | 1,550 sqft |
| Unfinished Basement | 1,550 sqft |
| Year Built | Built 1880 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Conventional |
| Exterior Material | Other |
| Construction Type | Stone |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 6,534 sqft (0.15 acres) |
| Heating System | Steam |
|---|---|
| Heating Fuel | Oil |
| Street Address | 28 PEARL ST |
|---|---|
| City | AYER |
| State | MA |
| Zip | 01432-1130 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Apartments (5+ Units) |
| Local Zoning Code | GR |
| Legal Lot Number | 52 |
| Jurisdiction | AYER MA |
| Township / Civil Division | AYER |
| Census Block Group | 5 |
| Census Block | 5000 |
| Census Tract | 325102 |
Source: Middlesex County and Ayer Town records, as of October 13, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 28 PEARL ST, AYER, MA 01432-1130 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 12, 2022 | Deed of Trust, Mortgage · Line of Credit WASHINGTON SAVINGS BANK |
| Jul 21, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance WASHINGTON SAVINGS BANK |
| Jan 31, 2020 | Quit Claim Deed, Transfer · Conventional with PMI EUGENE F TURRA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 31, 2020 · Amount on Record |
| Deed Sale | Jan 31, 2020 · Amount on Record |
| Deed Document Number | 202015900 |
| Deed Book / Page | 74075 / 378 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AYER MA |
| Property Address | 28 PEARL ST, AYER, MA 01432-1130 |
| Transaction Type | Mortgage |
| Record Updated | Apr 29, 2022 |
| Name | Verified Name |
|---|
| Document Number | 00079967-1 |
|---|---|
| Date | Apr 12, 2022 |
| Book Page | 79967/1 |
| Instrument | 54906 |
| Name | WASHINGTON SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AYER MA |
| Property Address | 28 PEARL ST, AYER, MA 01432-1130 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2022 |
| Name | Verified Name |
|---|
| Document Number | 078290-120 |
|---|---|
| Date | Jul 21, 2021 |
| Book Page | 78290/120 |
| Instrument | 163706 |
| Name | WASHINGTON SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Aug 1, 2036 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | AYER MA |
| Recording Date | Jan 31, 2020 |
| Property Address | 28 PEARL ST, AYER, MA 01432-1130 |
| Document Number | 74075-378 |
| Book / Page | 074075 / 000378 |
| Instrument Date | Jan 31, 2020 |
| Instrument | 15900 |
| Transaction Type | Transfer |
| Record Updated | Feb 18, 2020 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,254.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 28-30 PEARL ST AYER MA 014321130, AYER, MA 01432-1130 |
| Document Number | 74075-382 |
|---|---|
| Date | Jan 31, 2020 |
| Book Page | 074075/000382 |
| Instrument | 15901 |
| Name | EUGENE F TURRA |
|---|---|
| Special Notes | Seller Financed |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Jan 30, 2025 |
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 |
|---|---|---|
| 2025 | $5,762.00 (+22.34%) | $481,800 (+27.06%) Land $131,800 Building $350,000 |
| 2023 | $4,710.00 | $379,200 Land $123,500 Building $255,700 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 | 4 in force |
| Nearby Flood Claims | 1 (2023) |
| Most Recent Claim | Jul 2023 · tidal / storm surge |
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.
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 299 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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