Middlesex County and Ayer Town property record for 38 Washington St, Ayer, MA 01432
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,593 sqft · built 1919 |
| Lot Size | 0.23 acres (10,001 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $125,000 (Jul 1996) |
| Tax Bill | $5,926 (2025) |
| Deeds & Mortgages | Oct 2025 Second Mortgage Nov 2020 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | AYER M:026 B:0000 L:0168 |
| Primary APN | AYER M:026 B:0000 L:0168 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 11 Rooms |
| Stories | 2 Stories |
| Building Area | 2,593 sqft Living Area |
| Basement Area | 1,630 sqft |
| Unfinished Basement | 1,630 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1919 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Stone |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 10,001 sqft (0.23 acres) |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Heating System | Steam |
|---|---|
| Heating Fuel | Oil |
| Street Address | 38 WASHINGTON ST |
|---|---|
| City | AYER |
| State | MA |
| Zip | 01432-1313 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | GR |
| Legal Lot Number | 168 |
| Jurisdiction | AYER MA |
| Township / Civil Division | AYER |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 325102 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 38 WASHINGTON ST, AYER, MA 01432-1313 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 30, 2025 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage I-C FCU |
| Nov 20, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance PROVIDENT FUNDING ASSOCIATES LP |
| Sep 23, 2020 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 25, 1996 · Amount on Record |
| Deed Sale | Jul 25, 1996 · Amount on Record |
| Last Transfer Date | Jan 11, 2019 |
| Transfer Doc | 75695-383 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AYER MA |
| Property Address | 38 WASHINGTON ST, AYER, MA 01432-1313 |
| Transaction Type | Mortgage |
| Record Updated | Nov 19, 2025 |
| Name | Verified Name |
|---|
| Document Number | 084807-562 |
|---|---|
| Date | Oct 30, 2025 |
| Book Page | 84807/562 |
| Instrument | 132252 |
| Name | I-C FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Nov 1, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AYER MA |
| Property Address | 38 WASHINGTON ST, AYER, MA 01432-1313 |
| Transaction Type | Mortgage |
| Record Updated | May 10, 2022 |
| Name | Verified Name |
|---|
| Document Number | 076225-471 |
|---|---|
| Date | Nov 20, 2020 |
| Book Page | 76225/471 |
| Instrument | 219293 |
| Name | PROVIDENT FUNDING ASSOCIATES LP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Dec 1, 2040 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | AYER MA |
| Recording Date | Sep 23, 2020 |
| Property Address | 38 WASHINGTON ST, AYER, MA 01432-1313 |
| Document Number | 75695-383 |
| Book / Page | 075695 / 000383 |
| Instrument Date | Jan 11, 2019 |
| Instrument | 168968 |
| Transaction Type | Transfer |
| Record Updated | Oct 13, 2020 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | WASHINGTON ST AYER MA 01432, AYER, MA 01432 |
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 | $5,926.00 (+11.64%) | $495,500 (+15.93%) Land $140,300 Building $355,200 | $570,190 (+0.45%) |
| 2024 | $567,625 | ||
| 2023 | $5,308.00 | $427,400 Land $131,600 Building $295,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 10, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
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 299 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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