32 Calvin St, Ayer, MA 01432 Property Records

Middlesex County and Ayer Town property record for 32 Calvin St, Ayer, MA 01432

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 2,282 sqft · built 1998
Lot Size	0.51 acres (22,216 sqft)
Owner	Individual Name on Record
Last Sale	$340,000 (Apr 2003)
Tax Bill	$7,296 (2025)
Deeds & Mortgages	Nov 2023 Refinance Jul 2021 Line of Credit + 2 more
Flood Zone	Zone X (moderate risk)
APN	`AYER M:021 B:0000 L:0100`

Property Details

APN / Parcel Number

Primary APN	`AYER M:021 B:0000 L:0100`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,282 sqft Living Area
Gross Area	3,298 sqft
1st Floor Area	1,050 sqft
Basement Area	1,108 sqft
Unfinished Basement	1,108 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	22,216 sqft (0.51 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	32 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	100
Jurisdiction	AYER MA
Township / Civil Division	AYER
Census Block Group	2
Census Block	2014
Census Tract	325101

Owner

Source: Middlesex County and Ayer Town records, as of July 20, 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	32 CALVIN ST, AYER, MA 01432-1578
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 6, 2023	Quit Claim Deed, Transfer · Stand-Alone Refinance ROCKET MORTGAGE
Jul 1, 2021	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Oct 30, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance ONE AMERICAN MORTGAGE
Jun 17, 2020	Deed of Trust, Mortgage · Line of Credit CITIZENS BK/RI

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 11, 2003 · Amount on Record
Deed Sale	Apr 11, 2003 · Amount on Record
Prior Sale	Aug 31, 2001 · Amount on Record
Last Transfer Date	Oct 31, 2023
Transfer Doc	082181-335
Record Updated	Sep 20, 2026

November 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	AYER MA
Recording Date	Nov 6, 2023
Property Address	32 CALVIN ST, AYER, MA 01432-1578
Document Number	082181-331
Book / Page	82181 / 331
Instrument Date	Oct 31, 2023
Instrument	126856
Transaction Type	Transfer
Record Updated	Nov 23, 2023

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
Address	32 CALVIN ST, AYER, MA 01432-1578

Mortgage

Document Number	082181-335
Date	Nov 6, 2023
Book Page	82181/335
Instrument	126857

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AYER MA
Property Address	32 CALVIN ST, AYER, MA 01432-1578
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	078158-453
Date	Jul 1, 2021
Book Page	78158/453
Instrument	149789

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Aug 1, 2046

Interest

Rate Type	Adjustable Rate

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AYER MA
Property Address	32 CALVIN ST, AYER, MA 01432-1578
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	76047-165
Date	Oct 30, 2020
Book Page	76047/165
Instrument	201925

Lender

Name	ONE AMERICAN MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AYER MA
Property Address	32 CALVIN ST, AYER, MA 01432-1578
Document Number	75019-1
Instrument Date	Jun 17, 2020
Transaction Type	Mortgage
Record Updated	Jul 21, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32 CALVIN ST AYER MA 014321578, AYER, MA 01432-1578

Mortgage

Document Number	75019-1
Date	Jul 1, 2020
Book Page	075019/000001
Instrument	104725

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jun 30, 2045

Interest

Rate Type	Adjustable Rate

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	$7,296.00 (+11.36%)	$610,000 (+15.64%) Land $187,400 Building $422,600	$658,255 (+14.47%)
2024			$575,035
2023	$6,552.00	$527,500 Land $176,000 Building $351,500

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 93% of the US · lower than 83% of Massachusetts
Wildfire Likelihood	Under 0.01% 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 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.

Nearby Properties on Calvin St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures