Middlesex County and Ayer Town property record for 4 Gardner Ln, Ayer, MA 01432 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,360 sqft · built 1992 |
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $350,000 (Jun 2019) |
| Tax Bill | $5,205 (2025) |
| Deeds & Mortgages | Apr 2022 Refinance Oct 2021 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | AYER M:012 B:0000 L:0130 |
| Primary APN | AYER M:012 B:0000 L:0130 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,360 sqft Living Area |
| Basement Area | 768 sqft |
| Unfinished Basement | 468 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 12,197 sqft (0.28 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Street Address | 4 GARDNER LN |
|---|---|
| City | AYER |
| State | MA |
| Zip | 01432-1059 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Lot Number | 130 |
| Jurisdiction | AYER MA |
| Township / Civil Division | AYER |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 325102 |
Source: Middlesex County and Ayer Town records · APN AYER M:012 B:0000 L:0130
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 | 4 GARDNER LN, AYER, MA 01432-1059 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Apr 11, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance PATRIOT BANK |
| Oct 25, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance PATRIOT BANK |
| Oct 25, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance PATRIOT BANK |
| Jun 10, 2019 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage PATRIOT BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 10, 2019 · Amount on Record |
| Deed Sale | Jun 10, 2019 · Amount on Record |
| Prior Sale | Aug 29, 2014 · Amount on Record |
| Deed Book / Page | 72732 / 40 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AYER MA |
| Property Address | 4 GARDNER LN, AYER, MA 01432-1059 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 079956-392 |
|---|---|
| Date | Apr 11, 2022 |
| Book Page | 79956/392 |
| Instrument | 53801 |
| Name | PATRIOT BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | May 01, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AYER MA |
| Property Address | 4 GARDNER LN, AYER, MA 01432-1059 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 078983-578 |
|---|---|
| Date | Oct 25, 2021 |
| Book Page | 78983/578 |
| Instrument | 233163 |
| Name | PATRIOT BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AYER MA |
| Property Address | 4 GARDNER LN, AYER, MA 01432-1059 |
| Transaction Type | Mortgage |
| Record Updated | Nov 12, 2021 |
| Name | Verified Name |
|---|
| Document Number | 78983-578 |
|---|---|
| Date | Oct 25, 2021 |
| Book Page | 78983/578 |
| Instrument | 233163 |
| Name | PATRIOT BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | AYER MA |
| Recording Date | Jun 10, 2019 |
| Property Address | 4 GARDNER LN, AYER, MA 01432-1059 |
| Document Number | 72732-40 |
| Book / Page | 72732 / 40 |
| Instrument Date | Jun 05, 2019 |
| Instrument | 77713 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 17 BOXWOOD DR APT 309, 309, LITTLETON, MA 01460-1465 |
| Document Number | 77714 |
|---|---|
| Date | Jun 10, 2019 |
| Instrument | 77714 |
| Name | PATRIOT BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Middlesex County and Ayer Town records · Assessment roll updated April 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Ayer Town |
| Unified School District | Ayer-Shirley School District (PK - 12) |
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 | $5,205.00 (+5.13%) | $435,200 (+9.18%) Land $142,700 Building $292,500 | $495,330 (+2.28%) |
| 2024 | $484,310 | ||
| 2023 | $4,951.00 | $398,600 Land $152,900 Building $245,700 |
Source: FEMA National Flood Hazard Layer, Middlesex County (25017C), updated September 10, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 20% of the US · above 58% of Massachusetts |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Indirect within ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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