37 Calvin St, Ayer, MA 01432 Property Records

Middlesex County and Ayer Town property record for 37 Calvin St, Ayer, MA 01432

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,666 sqft · built 1998
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Company Names on Record
Last Sale	$330,000 (May 2013)
Tax Bill	$6,603 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Jan 2026 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`AYER M:021 B:0000 L:0080`

Property Details

APN / Parcel Number

Primary APN	`AYER M:021 B:0000 L:0080`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,666 sqft Living Area
Basement Area	816 sqft
Unfinished Basement	516 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	12,197 sqft (0.28 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	37 CALVIN ST
City	AYER
State	MA
Zip	01432-1577
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A2
Legal Lot Number	80
Jurisdiction	AYER MA
Township / Civil Division	AYER
Census Block Group	2
Census Block	2007
Census Tract	325101

Owner

Source: Middlesex County and Ayer Town records, as of July 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	37 CALVIN ST, AYER, MA 01432-1577
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2026	Deed of Trust, Mortgage · Line of Credit CORNERSTONE BANK
Jan 23, 2026	Deed, Transfer
Dec 11, 2019	Quit Claim Deed, Transfer ROSS MTG CO INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 31, 2013 · Amount on Record
Deed Sale	May 31, 2013 · Amount on Record
Prior Sale	Oct 9, 2001 · Amount on Record
Deed Book / Page	61923 / 99
Transfer Doc	0061923-99
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AYER MA
Recording Date	Apr 28, 2026
Property Address	37 CALVIN ST, AYER, MA 01432-1577
Document Number	085519-191
Book / Page	85519 / 191
Instrument Date	Apr 14, 2026
Instrument	202646955
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000046955,
Date	Apr 28, 2026
Book Page	85519/191
Instrument	202646955

Lender

Name	CORNERSTONE BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.22%
Initial Type	Adjustable Rate
Max Rate	-1%

January 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	AYER MA
Recording Date	Jan 23, 2026
Property Address	37 CALVIN ST, AYER, MA 01432-1577
Document Number	085154-316
Book / Page	85154 / 316
Instrument Date	Nov 24, 2025
Instrument	8412
Transaction Type	Transfer
Record Updated	Feb 11, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	37 CALVIN ST, AYER, MA 01432-1577

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	AYER MA
Recording Date	Dec 11, 2019
Property Address	37 CALVIN ST, AYER, MA 01432-1577
Document Number	73800-487
Book / Page	073800 / 000487
Instrument Date	Oct 31, 2019
Instrument	5337
Transaction Type	Transfer
Record Updated	Jun 24, 2021
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	37 CALVIN ST AYER MA 014321577, AYER, MA 01432-1577

Mortgage

Document Number	73800-491
Date	Dec 11, 2019
Book Page	073800/000491
Instrument	5338

Lender

Name	ROSS MTG CO INC

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 10, 2049

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	$6,603.00 (+11.29%)	$552,100 (+15.57%) Land $174,600 Building $377,500	$582,825 (+17.42%)
2024			$496,375
2023	$5,933.00	$477,700 Land $163,700 Building $314,000

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 minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 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.

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