Middlesex County and Ayer Town property record for 41 Shirley St, Ayer, MA 01432
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,568 sqft · built 2016 |
| Lot Size | 0.06 acres (2,614 sqft) |
| Owner | Individual Name on File |
| Last Sale | $295,000 (Jan 2017) |
| Tax Bill | $5,595 (2025) |
| Deeds & Mortgages | Oct 2021 Refinance Oct 2021 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | AYER M:026 B:0000 L:0063 |
| Primary APN | AYER M:026 B:0000 L:0063 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,568 sqft Living Area |
| Basement Area | 768 sqft |
| Unfinished Basement | 768 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2016 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 2,614 sqft (0.06 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 41 SHIRLEY ST |
|---|---|
| City | AYER |
| State | MA |
| Zip | 01432-1260 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | GR |
| Legal Lot Number | 63 |
| Jurisdiction | AYER MA |
| Township / Civil Division | AYER |
| Census Block Group | 5 |
| Census Block | 5016 |
| Census Tract | 325102 |
41 Shirley St is owned by an individual who bought it in January 2017.
Source: Middlesex County and Ayer Town records, as of July 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 75 MYSTIC ST, 3, ARLINGTON, MA 02474-1156 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 7, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance AMERISAVE MORTGAGE CORP |
| Oct 7, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance AMERISAVE MORTGAGE CORP |
| Mar 17, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance AMERISAVE MORTGAGE CORP |
| Jan 27, 2017 | Quit Claim Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 27, 2017 · Amount on File |
| Deed Sale | Jan 27, 2017 · Amount on File |
| Prior Sale | Jul 11, 2016 · Amount on File |
| Deed Book / Page | 68822 / 588 |
| Transfer Doc | 60526-209 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AYER MA |
| Property Address | 41 SHIRLEY ST, AYER, MA 01432-1260 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 078871-569 |
|---|---|
| Date | Oct 7, 2021 |
| Book Page | 78871/569 |
| Instrument | 222008 |
| Name | AMERISAVE MORTGAGE CORP |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AYER MA |
| Property Address | 41 SHIRLEY ST, AYER, MA 01432-1260 |
| Transaction Type | Mortgage |
| Record Updated | Oct 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 78871-569 |
|---|---|
| Date | Oct 7, 2021 |
| Book Page | 78871/569 |
| Instrument | 222008 |
| Name | AMERISAVE MORTGAGE CORP |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AYER MA |
| Property Address | 41 SHIRLEY ST, AYER, MA 01432-1260 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 74299-439 |
|---|---|
| Date | Mar 17, 2020 |
| Book Page | 74299/439 |
| Instrument | 39552 |
| Name | AMERISAVE MORTGAGE CORP |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | AYER MA |
| Recording Date | Jan 27, 2017 |
| Property Address | 41 SHIRLEY ST, AYER, MA 01432-1260 |
| Document Number | 68822-588 |
| Book / Page | 068822 / 000588 |
| Instrument Date | Jan 25, 2017 |
| Instrument | 15431 |
| Transaction Type | Transfer |
| Record Updated | Aug 7, 2018 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,345.20 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 75 MYSTIC ST #3 ARLINGTON MA 024741128, 3, ARLINGTON, MA 02474-1128 |
| Document Number | 68823-1 |
|---|---|
| Date | Jan 27, 2017 |
| Book Page | 068823/000001 |
| Instrument | 15432 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 26, 2047 |
The 2025 property tax bill for 41 Shirley St was $5,595.
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 | $5,595.00 | $467,800 Land $96,600 Building $371,200 | $455,525 (+5.13%) |
| 2024 | $433,295 | ||
| 2023 | $4,956.00 | $399,000 Land $90,500 Building $308,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 41 Shirley St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 1 (2023) |
| Most Recent Claim | Jul 2023 · tidal / storm surge |
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.
Wildfire risk around 41 Shirley 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 | None beyond ember reach |
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 92 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 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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