Essex County and Peabody City property record for 3 Ayer St, Peabody, MA 01960
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,853 sqft · built 1890 |
| Lot Size | 0.069 acres (2,988 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $494,000 (Dec 2020) |
| Tax Bill | $5,714 (2026) |
| Deeds & Mortgages | Jun 2019 Mortgage Dec 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | PEAB M:0095 B:0335 |
| Primary APN | PEAB M:0095 B:0335 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,853 sqft Living Area |
| 1st Floor Area | 1,671 sqft |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Lot Area | 2,988 sqft (0.069 acres) |
| Heating System | Steam |
|---|---|
| Heating Fuel | Oil |
| Account Number | 11405 |
|---|---|
| Street Address | 3 AYER ST |
| City | PEABODY |
| State | MA |
| Zip | 01960-6103 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Block | 335 |
| Jurisdiction | PEABODY MA |
| Township / Civil Division | PEABODY |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 210700 |
3 Ayer St is owned and occupied by two individuals who bought it in December 2020.
Source: Essex County and Peabody City records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3 AYER ST, PEABODY, MA 01960-6103 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 5, 2019 | Deed of Trust, Mortgage · Balloon Mortgage CITIZENS BANK |
| Dec 1, 2020 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Dec 28, 2017 | Quit Claim Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 1, 2020 · Amount on File |
| Deed Sale | Dec 1, 2020 · Amount on File |
| Prior Sale | Dec 28, 2017 · Amount on File |
| Deed Book / Page | 39245 / 137 |
| Prior Transfer Date | Nov 24, 2020 |
| Prior Transfer Doc | 39245-137 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PEABODY MA |
| Property Address | 3 AYER ST, PEABODY, MA 01960-6103 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 37563-500 |
|---|---|
| Date | Jun 5, 2019 |
| Book Page | 37563/500 |
| Instrument | 20190605000340 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | PEABODY MA |
| Recording Date | Dec 1, 2020 |
| Property Address | 3 AYER ST, PEABODY, MA 01960-6103 |
| Document Number | 39245-137 |
| Book / Page | 39245 / 137 |
| Instrument Date | Nov 24, 2020 |
| Instrument | 20201201005750 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 3 AYER ST, PEABODY, MA 01960-6103 |
| Document Number | 201201005760 |
|---|---|
| Date | Dec 1, 2020 |
| Instrument | 201201005760 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | PEABODY MA |
| Recording Date | Dec 28, 2017 |
| Property Address | 3 AYER ST, PEABODY, MA 01960-6103 |
| Document Number | 36438-224 |
| Book / Page | 036438 / 000224 |
| Instrument Date | Dec 12, 2017 |
| Instrument | 1712282480 |
| Transaction Type | Transfer |
| Record Updated | Jan 16, 2018 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,545.84 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3 AYER ST PEABODY MA 019606103, PEABODY, MA 01960-6103 |
| Document Number | 36438-226 |
|---|---|
| Date | Dec 28, 2017 |
| Book Page | 036438/000226 |
| Instrument | 1712282490 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 27, 2047 |
The 2026 property tax bill for 3 Ayer St was $5,714, up 12.3% from the year before.
Source: Essex County and Peabody City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Essex County |
| Municipality | Peabody City |
| Unified School District | Peabody School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,714.00 (+12.28%) | $603,400 (+9.79%) Land $202,400 Building $401,000 | $630,677 (+4.46%) |
| 2025 | $5,089.00 (+5.23%) | $549,600 (+3.64%) Land $187,400 Building $362,200 | $603,725 |
| 2024 | $4,836.00 (+2.68%) | $530,300 (+7.17%) Land $187,400 Building $342,900 | |
| 2023 | $4,710.00 | $494,800 Land $163,000 Building $331,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3 Ayer St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective July 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 A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 12 individual policies |
| Nearby Flood Policies | 56 units insured incl. 44 condo units |
| Nearby Flood Claims | 24 (1986–2011) |
| Claims Outside the SFHA | 1 of 24 |
| Most Recent Claim | Oct 2011 · river or lake flooding |
| Claims by Event |
|
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.
The area around 3 Ayer St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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 | PEABODY WATER DEPT. serves 54,481 people · EPA ID MA3229000 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | May 2026 |
| Lead | 4 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 665 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Astound Broadband Cable | 1,500 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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