Middlesex County and Ayer Town property record for 4 Victor Dr, Ayer, MA 01432
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 988 sqft · built 1952 |
| Lot Size | 0.44 acres (19,166 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $176,500 (Sep 2012) |
| Tax Bill | $4,076 (2025) |
| Deeds & Mortgages | Jun 2026 Mortgage Sep 2022 Line of Credit + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | AYER M:012 B:0000 L:0051 |
| Primary APN | AYER M:012 B:0000 L:0051 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 988 sqft Living Area |
| Basement Area | 988 sqft |
| Unfinished Basement | 988 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Construction Type | Concrete |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 19,166 sqft (0.44 acres) |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Street Address | 4 VICTOR DR |
|---|---|
| City | AYER |
| State | MA |
| Zip | 01432-1053 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A2 |
| Legal Lot Number | 51 |
| Jurisdiction | AYER MA |
| Township / Civil Division | AYER |
| Census Block Group | 2 |
| Census Block | 2015 |
| 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 | 4 VICTOR DR, AYER, MA 01432-1053 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 22, 2026 | Deed of Trust, Mortgage · ARM |
| Sep 7, 2022 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK OF RHODE ISLAND |
| Feb 20, 2024 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK OF RHODE ISLAND |
| Oct 27, 2021 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT |
| Jan 29, 2025 | Deed of Trust, Mortgage · Stand-Alone Refinance WELLS FARGO BANK NA |
| Oct 27, 2021 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 19, 2012 · Amount on Record |
| Deed Sale | Sep 19, 2012 · Amount on Record |
| Deed Book / Page | 60044 / 224 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AYER MA |
| Recording Date | Jun 22, 2026 |
| Property Address | 4 VICTOR DR, AYER, MA 01432-1053 |
| Document Number | 0000074140 |
| Book / Page | 85762 / 559 |
| Instrument Date | Jun 15, 2026 |
| Instrument | 202674140 |
| Transaction Type | Mortgage |
| Record Updated | Jul 15, 2026 |
| Name | Verified Name |
|---|---|
| Address | 4 VICTOR DR, AYER, MA 01432-1053 |
| Document Number | 0000074140, |
|---|---|
| Date | Jun 22, 2026 |
| Book Page | 85762/559 |
| Instrument | 202674140 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.63% |
| Initial Type | Adjustable Rate |
| Type Change Date | Oct 1, 2031 |
| Index | Other |
| Margin | 2 |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AYER MA |
| Property Address | 4 VICTOR DR, AYER, MA 01432-1053 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0080678-68 |
|---|---|
| Date | Sep 7, 2022 |
| Book Page | 80678/68 |
| Instrument | 136335 |
| Name | CITIZENS BANK OF RHODE ISLAND |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Oct 1, 2047 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AYER MA |
| Property Address | 4 VICTOR DR, AYER, MA 01432-1053 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|
| Document Number | 082494-163 |
|---|---|
| Date | Feb 20, 2024 |
| Book Page | 82494/163 |
| Instrument | 16448 |
| Name | CITIZENS BANK OF RHODE ISLAND |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Mar 1, 2049 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AYER MA |
| Property Address | 4 VICTOR DR, AYER, MA 01432-1053 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 079001-146 |
|---|---|
| Date | Oct 27, 2021 |
| Book Page | 79001/146 |
| Instrument | 234844 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 337 Months |
| Due | Nov 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AYER MA |
| Property Address | 4 VICTOR DR, AYER, MA 01432-1053 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|
| Document Number | 083721-255 |
|---|---|
| Date | Jan 29, 2025 |
| Book Page | 83721/255 |
| Instrument | 9727 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AYER MA |
| Property Address | 4 VICTOR DR, AYER, MA 01432-1053 |
| Transaction Type | Mortgage |
| Record Updated | Nov 12, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 79001-146 |
|---|---|
| Date | Oct 27, 2021 |
| Book Page | 79001/146 |
| Instrument | 234844 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 337 Months |
| Due | Nov 1, 2049 |
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 | $4,076.00 (+3.82%) | $340,800 (+7.81%) Land $150,200 Building $190,600 | $380,000 (+1.37%) |
| 2024 | $374,870 | ||
| 2023 | $3,926.00 | $316,100 Land $161,700 Building $154,400 |
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 · OpenFEMA NFIP redacted claims and policies, as of September 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 |
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: 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.
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 206 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 |
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