Middlesex County and Ayer Town property record for 41 Pearl St, Ayer, MA 01432
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 960 sqft · built 1963 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $215,000 (Jun 2001) |
| Tax Bill | $4,045 (2025) |
| Deeds & Mortgages | Oct 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | AYER M:019 B:0000 L:0073 |
| Primary APN | AYER M:019 B:0000 L:0073 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 960 sqft Living Area |
| Basement Area | 960 sqft |
| Unfinished Basement | 753 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1963 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,583 sqft (0.22 acres) |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Street Address | 41 PEARL ST |
|---|---|
| City | AYER |
| State | MA |
| Zip | 01432-1131 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A2 |
| Legal Lot Number | 73 |
| Jurisdiction | AYER MA |
| Township / Civil Division | AYER |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 325102 |
41 Pearl St is owned and occupied by two individuals who bought it in June 2001.
Source: Middlesex County and Ayer Town records, as of July 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 41 PEARL ST, AYER, MA 01432-1131 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Estate |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 29, 2001 · Amount on File |
| Deed Sale | Jun 29, 2001 · Amount on File |
| Prior Sale | Aug 24, 1995 · Amount on File |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AYER MA |
| Property Address | 41 PEARL ST, AYER, MA 01432-1131 |
| Document Number | 71914-581 |
| Instrument Date | Oct 31, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2018 |
| Name | Verified Name |
|---|---|
| Address | 41 PEARL ST AYER MA 014321131, AYER, MA 01432-1131 |
| Document Number | 71914-581 |
|---|---|
| Date | Nov 21, 2018 |
| Book Page | 071914/000581 |
| Instrument | 8695 |
| Name | JEANNE D'ARC CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Nov 20, 2038 |
The 2025 property tax bill for 41 Pearl St was $4,045.
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 | $4,045.00 | $338,200 Land $138,500 Building $199,700 | $499,320 (+3.91%) |
| 2024 | $480,510 | ||
| 2023 | $3,829.00 | $308,300 Land $148,100 Building $160,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 41 Pearl St in Zone X, an area of minimal flood risk.
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.
Wildfire risk around 41 Pearl St is low, with a 0.01% annual chance of wildfire.
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 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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