37 Willard St, Ayer, MA 01432 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,385 sqft · built 2018
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on Record
Last Sale	$660,000 (Mar 2026)
Tax Bill	$6,555 (2025)
Deeds & Mortgages	Mar 2026 Sale Dec 2018 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`AYER M:035 B:0000 L:0062`

Property Details

APN / Parcel Number

Primary APN	`AYER M:035 B:0000 L:0062`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,385 sqft Living Area
Basement Area	1,344 sqft
Unfinished Basement	788 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,890 sqft (0.25 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	37 WILLARD ST
City	AYER
State	MA
Zip	01432-1725
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	GR
Legal Lot Number	62
Jurisdiction	AYER MA
Township / Civil Division	AYER
Census Block Group	1
Census Block	1008
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 Individual Names on Record
Mailing Address	37 WILLARD ST, AYER, MA 01432-1725
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Mar 25, 2026	Quit Claim Deed, Transfer
Dec 6, 2018	Deed of Trust, Mortgage · Stand-Alone Refinance WASHINGTON SAVINGS BANK
Jun 17, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Mar 15, 2019	Deed of Trust, Transfer · Conventional with PMI QUAD CTY BK&TR
Sep 28, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 25, 2026 · Amount on Record
Deed Sale	Mar 25, 2026 · Amount on Record
Prior Sale	May 15, 2019 · Amount on Record
Deed Document Number	202632328
Deed Book / Page	85381 / 224
Prior Transfer Date	Mar 4, 2026
Prior Transfer Doc	085381-224
Record Updated	Oct 29, 2026

March 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	AYER MA
Recording Date	Mar 25, 2026
Property Address	37 WILLARD ST, AYER, MA 01432-1725
Document Number	085381-224
Book / Page	85381 / 224
Instrument Date	Mar 4, 2026
Instrument	32328
Transaction Type	Transfer
Record Updated	Apr 15, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	37 WILLARD ST, AYER, MA 01432-1725

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AYER MA
Property Address	37 WILLARD ST, AYER, MA 01432-1725
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	71974-45
Date	Dec 6, 2018
Book Page	71974/45
Instrument	185729

Lender

Name	WASHINGTON SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AYER MA
Property Address	37 WILLARD ST, AYER, MA 01432-1725
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	74905-378
Date	Jun 17, 2020
Book Page	74905/378
Instrument	94409

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

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

March 2019: Deed of Trust, Transfer

Document Type	Deed of Trust
Jurisdiction	AYER MA
Property Address	37 WILLARD ST, AYER, MA 01432-1725
Document Number	72601-113
Instrument Date	Mar 15, 2019
Transaction Type	Transfer
Record Updated	Jun 4, 2019
Title Company	NOT AVAILABLE

Transaction

Additional	Arm's Length

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	37 WILLARD ST AYER MA 014321725, AYER, MA 01432-1725

Mortgage

Document Number	72601-113
Date	May 15, 2019
Book Page	072601/000113
Instrument	62704

Lender

Name	QUAD CTY BK&TR
Type	Bank

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 14, 2049

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	AYER MA
Recording Date	Sep 28, 2018
Property Address	37 WILLARD ST, AYER, MA 01432-1725
Document Number	71684-236
Book / Page	071684 / 000236
Instrument Date	Sep 27, 2018
Instrument	150560
Transaction Type	Transfer
Record Updated	Jan 16, 2019

Transaction

Amount	Amount Recorded
Tax	$319.20
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	100 IRON HORSE PARK BILLERICA MA 01821, BILLERICA, MA 01821

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	$6,555.00 (+15.77%)	$548,100 (+20.22%) Land $115,000 Building $433,100	$507,965 (-10.24%)
2024			$565,915
2023	$5,662.00	$455,900 Land $108,500 Building $347,400

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
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

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.

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 224 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Spectrum.

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