Middlesex County and Ayer Town property record for 3 McDowell St, Ayer, MA 01432
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,140 sqft · built 1948 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,480 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | AYER M:028 B:0000 L:0095 |
| Primary APN | AYER M:028 B:0000 L:0095 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,140 sqft Living Area |
| Gross Area | 3,142 sqft |
| 1st Floor Area | 1,846 sqft |
| Basement Area | 672 sqft |
| Unfinished Basement | 172 sqft |
| Year Built | Built 1948 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,712 sqft (0.2 acres) |
| Garage Type | Detached |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Street Address | 3 MCDOWELL ST |
|---|---|
| City | AYER |
| State | MA |
| Zip | 01432-1419 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A2 |
| Legal Lot Number | 95 |
| Jurisdiction | AYER MA |
| Township / Civil Division | AYER |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 325101 |
3 McDowell St is owned and occupied by two individuals.
Source: Middlesex County and Ayer Town records, as of July 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3 MCDOWELL ST, AYER, MA 01432-1419 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants in Common |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
The 2025 property tax bill for 3 McDowell St was $4,480.
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 | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,480.00 | $374,600 Land $136,500 Building $238,100 | $397,385 (-15.43%) |
| 2024 | $469,870 | ||
| 2023 | $4,136.00 | $333,000 Land $146,000 Building $187,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3 McDowell 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 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 | 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 risk around 3 McDowell St is low, with a 0.01% annual chance of 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 |
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 150 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
May also be available: Verizon.
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