38 Pine Ridge Dr, Ayer, MA 01432 Property Records

Middlesex County and Ayer Town property record for 38 Pine Ridge Dr, Ayer, MA 01432 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,590 sqft · built 1994
Lot Size	0.67 acres (29,185 sqft)
Owner	2 Individual Names on File
Last Sale	$677,000 (Nov 2025)
Tax Bill	$6,467 (2025)
Deeds & Mortgages	Jun 2025 Mortgage Nov 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`AYER M:021 B:0000 L:0077`

Property Details

APN / Parcel Number

Primary APN	`AYER M:021 B:0000 L:0077`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,590 sqft Living Area
Basement Area	782 sqft
Unfinished Basement	782 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2003
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	29,185 sqft (0.67 acres)
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	38 PINE RIDGE DR
City	AYER
State	MA
Zip	01432-1417
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	77
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 · APN AYER M:021 B:0000 L:0077

Assessment roll updated April 14, 2026 · Last verified July 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 File
Mailing Address	38 PINE RIDGE DR, AYER, MA 01432-1417
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jun 05, 2025	Deed of Trust, Mortgage · Second Mortgage (Down Payment) CAPITAL ONE BANK NA
Nov 13, 2025	Quit Claim Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Mar 16, 2020	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Apr 20, 2018	Quit Claim Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CTR

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 13, 2025 · Amount on Record
Deed Sale	Nov 13, 2025 · Amount on Record
Prior Sale	Apr 20, 2018 · Amount on Record
Deed Book / Page	84873 / 295
Record Updated	Sep 20, 2026

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AYER MA
Property Address	38 PINE RIDGE DR, AYER, MA 01432-1417
Transaction Type	Mortgage
Record Updated	Apr 02, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	084186-539
Date	Jun 05, 2025
Book Page	84186/539
Instrument	62901

Lender

Name	CAPITAL ONE BANK NA
Type	Bank

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2055

November 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	AYER MA
Recording Date	Nov 13, 2025
Property Address	38 PINE RIDGE DR, AYER, MA 01432-1417
Document Number	084873-295
Book / Page	84873 / 295
Instrument Date	Nov 13, 2025
Instrument	139270
Transaction Type	Transfer
Record Updated	Dec 10, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
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	Tenants by the Entirety
Address	38 PINE RIDGE DR, AYER, MA 01432-1417

Mortgage

Document Number	0000139271
Date	Nov 13, 2025
Instrument	139271

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2055

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AYER MA
Property Address	38 PINE RIDGE DR, AYER, MA 01432-1417
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	74290-357
Date	Mar 16, 2020
Book Page	74290/357
Instrument	38841

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2050

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	AYER MA
Recording Date	Apr 20, 2018
Property Address	38 PINE RIDGE DR, AYER, MA 01432-1417
Document Number	70896-261
Book / Page	070896 / 000261
Instrument Date	Apr 11, 2018
Instrument	54028
Transaction Type	Transfer
Record Updated	May 08, 2018

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,755.14
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	38 PINE RIDGE DR AYER MA 014321417, AYER, MA 01432-1417

Mortgage

Document Number	70896-264
Date	Apr 20, 2018
Book Page	070896/000264
Instrument	54029

Lender

Name	MORTGAGE RESEARCH CTR
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 19, 2048

Interest

Rate	3.5%

Tax Assessment & Valuation

Source: Middlesex County and Ayer Town records · Assessment roll updated April 14, 2026 · Last verified July 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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,467.00 (+10.53%)	$540,700 (+14.77%) Land $192,400 Building $348,300	$576,365 (+3.66%)
2024			$556,035
2023	$5,851.00	$471,100 Land $181,500 Building $289,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Middlesex County (25017C), updated September 10, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250173251012, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 8 individual NFIP policies nearby
Nearby Flood Policies	8 in force 6 of 8 on primary residences

Wildfire

Wildfire Risk	Low above 7% of the US · above 16% of Massachusetts
Wildfire Likelihood	Less than 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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.

38 Pine Ridge Dr, Ayer, MA 01432 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

June 2025: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

November 2025: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

March 2020: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

April 2018: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood & Wildfire

Flood

Wildfire

Nearby Properties on Pine Ridge Dr

Nearby Streets

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