Middlesex County and Ayer Town property record for 4 Vernon St, Ayer, MA 01432
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,128 sqft · built 1957 |
| Lot Size | 0.37 acres (16,117 sqft) |
| Owner | Individual Name on File |
| Last Sale | $485,000 (Jun 2026) |
| Tax Bill | $4,380 (2025) |
| Deeds & Mortgages | Jan 2022 Refinance Jun 2026 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | AYER M:003 B:0000 L:0061 |
| Primary APN | AYER M:003 B:0000 L:0061 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,128 sqft Living Area |
| Basement Area | 1,128 sqft |
| Unfinished Basement | 1,128 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 16,117 sqft (0.37 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Street Address | 4 VERNON ST |
|---|---|
| City | AYER |
| State | MA |
| Zip | 01432-1024 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A2 |
| Legal Lot Number | 61 |
| Jurisdiction | AYER MA |
| Township / Civil Division | AYER |
| Census Block Group | 2 |
| Census Block | 2018 |
| Census Tract | 325102 |
Source: Middlesex County and Ayer Town assessment roll, APN AYER M:003 B:0000 L:0061, as of 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 | Individual Name on File |
|---|---|
| Mailing Address | 4 VERNON ST, AYER, MA 01432-1024 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Individual(s) |
| Date | Document |
|---|---|
| Jan 03, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE |
| Jun 01, 2026 | Quit Claim Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Dec 09, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC |
| Apr 24, 2018 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 01, 2026 · Amount on Record |
| Deed Sale | Jun 01, 2026 · Amount on Record |
| Prior Sale | Aug 02, 2001 · Amount on Record |
| Deed Document Number | 202663798 |
| Deed Book / Page | 85673 / 134 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AYER MA |
| Property Address | 4 VERNON ST, AYER, MA 01432-1024 |
| Transaction Type | Mortgage |
| Record Updated | Jun 23, 2026 |
| Name | Verified Name |
|---|
| Document Number | 079472-279 |
|---|---|
| Date | Jan 03, 2022 |
| Book Page | 79472/279 |
| Instrument | 202200000482 |
| Name | ROCKET MORTGAGE |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Feb 01, 2037 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | AYER MA |
| Recording Date | Jun 01, 2026 |
| Property Address | 4 VERNON ST, AYER, MA 01432-1024 |
| Document Number | 085673-134 |
| Book / Page | 85673 / 134 |
| Instrument Date | May 27, 2026 |
| Instrument | 202663798 |
| Transaction Type | Transfer |
| Record Updated | Jun 23, 2026 |
| 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 | 4 VERNON ST, AYER, MA 01432-1024 |
| Date | Jun 01, 2026 |
|---|
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AYER MA |
| Property Address | 4 VERNON ST, AYER, MA 01432-1024 |
| Transaction Type | Mortgage |
| Record Updated | May 10, 2022 |
| Name | Verified Name |
|---|
| Document Number | 076384-382 |
|---|---|
| Date | Dec 09, 2020 |
| Book Page | 76384/382 |
| Instrument | 234063 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jan 01, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AYER MA |
| Property Address | 4 VERNON ST, AYER, MA 01432-1024 |
| Document Number | 70958-164 |
| Instrument Date | Apr 24, 2018 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2018 |
| Name | Verified Name |
|---|---|
| Address | 4 VERNON ST AYER MA 014321024, AYER, MA 01432-1024 |
| Document Number | 70958-164 |
|---|---|
| Date | May 02, 2018 |
| Book Page | 070958/000164 |
| Instrument | 61330 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | May 01, 2038 |
Source: Middlesex County and Ayer Town assessment roll as of 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 | $4,380.00 (+5.26%) | $366,200 (+9.31%) Land $146,800 Building $219,400 | $447,640 (-1.24%) |
| 2024 | $453,245 | ||
| 2023 | $4,161.00 | $335,000 Land $157,800 Building $177,200 |
Source: FEMA National Flood Hazard Layer, Middlesex County (25017C), as of September 10, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250173251022, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 10 policies |
| Nearby Flood Policies | 10 in force |
| Wildfire Risk | Low lower than 80% of the US · above 57% of Massachusetts |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| 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.
Source: FCC Broadband Data Collection, 67 locations within half a mile, as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
May also be available: Spectrum, Verizon.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System, water system MA2019000, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | AYER DPW WATER DIVISION serves 8,479 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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