40 Washington St, Ayer, MA 01432 Property Records

Middlesex County and Ayer Town property record for 40 Washington St, Ayer, MA 01432

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 2,312 sqft · built 1890
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on File
Last Sale	$1,350,000 (Aug 2025)
Tax Bill	$5,284 (2025)
Deeds & Mortgages	Aug 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`AYER M:026 B:0000 L:0165`

Property Details

APN / Parcel Number

Primary APN	`AYER M:026 B:0000 L:0165`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Units	2 Units
Stories	3 Stories
Building Area	2,312 sqft Living Area
Basement Area	937 sqft
Unfinished Basement	937 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1988
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,583 sqft (0.22 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	40 WASHINGTON ST
City	AYER
State	MA
Zip	01432-1313
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	GR
Legal Lot Number	165
Jurisdiction	AYER MA
Township / Civil Division	AYER
Census Block Group	1
Census Block	1008
Census Tract	325102

Owner

Source: Middlesex County and Ayer Town records · APN AYER M:026 B:0000 L:0165

Assessment roll updated April 14, 2026 · Last verified April 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	40 WASHINGTON ST, AYER, MA 01432-1313
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 19, 2025 · Amount on Record
Deed Sale	Aug 19, 2025 · Amount on Record
Deed Book / Page	84511 / 533
Record Updated	Jun 08, 2026

August 2025: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	AYER MA
Recording Date	Aug 19, 2025
Property Address	40 WASHINGTON ST, AYER, MA 01432-1313
Document Number	084511-533
Book / Page	84511 / 533
Instrument Date	Aug 19, 2025
Instrument	99676
Transaction Type	Transfer
Record Updated	Nov 19, 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	Joint Tenants
Address	40 WASHINGTON ST, AYER, MA 01432-1313

Mortgage

Document Number	0000099677
Date	Aug 19, 2025
Instrument	99677

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2055

Tax Assessment & Valuation

Source: Middlesex County and Ayer Town records · Assessment roll updated April 14, 2026 · Last verified April 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, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value
2025	$5,284.00 (+21.61%)	$441,800 (+26.3%) Land $139,400 Building $302,400
2023	$4,345.00	$349,800 Land $130,700 Building $219,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 10, 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

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 are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

Based on FCC filings for 299 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System 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

Violations Reported to EPA

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.