43 Groton Harvard Rd, Ayer, MA 01432 Property Records

Middlesex County and Ayer Town property record for 43 Groton Harvard Rd, Ayer, MA 01432

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,592 sqft · built 1962
Lot Size	0.7 acres (30,492 sqft)
Owner	2 Trust Names on Record
Last Sale	$415,000 (Jun 2020)
Tax Bill	$6,272 (2025)
Deeds & Mortgages	Oct 2020 Line of Credit Jun 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`AYER M:027 B:0000 L:0006`

Property Details

APN / Parcel Number

Primary APN	`AYER M:027 B:0000 L:0006`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,592 sqft Living Area
Basement Area	1,288 sqft
Unfinished Basement	902 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1988
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	30,492 sqft (0.7 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	43 GROTON HARVARD RD
City	AYER
State	MA
Zip	01432-1407
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A2
Legal Lot Number	6
Jurisdiction	AYER MA
Township / Civil Division	AYER
Census Block Group	2
Census Block	2019
Census Tract	325101

Owner

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	2 Trust Names on Record
Mailing Address	43 GROTON HARVARD RD, AYER, MA 01432-1407
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2020	Deed of Trust, Mortgage · Line of Credit FRANCIS G JR MACKLIN
Jun 30, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage BANGOR SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 30, 2020 · Amount on Record
Deed Sale	Jun 30, 2020 · Amount on Record
Prior Sale	May 31, 2011 · Amount on Record
Deed Document Number	2020103307
Deed Book / Page	75002 / 490
Prior Transfer Date	Jun 22, 2020
Prior Transfer Doc	75002-490
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AYER MA
Property Address	43 GROTON HARVARD RD, AYER, MA 01432-1407
Document Number	75957-1
Instrument Date	Oct 14, 2020
Transaction Type	Mortgage
Record Updated	Nov 10, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	43 GROTON HARVARD RD AYER MA 014321407, AYER, MA 01432-1407

Mortgage

Document Number	75957-1
Date	Oct 22, 2020
Book Page	075957/000001
Instrument	3458

Lender

Name	FRANCIS G JR MACKLIN

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Oct 21, 2060

Interest

Rate Type	Adjustable Rate

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	AYER MA
Recording Date	Jun 30, 2020
Property Address	43 GROTON HARVARD RD, AYER, MA 01432-1407
Document Number	75002-490
Book / Page	75002 / 490
Instrument Date	Jun 22, 2020
Instrument	103307
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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
Address	43 GROTON HARVARD RD, AYER, MA 01432-1407

Mortgage

Document Number	103308
Date	Jun 30, 2020
Instrument	103308

Lender

Name	BANGOR SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Middlesex County and Ayer Town assessment roll, as of April 14, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,272.00 (+12.34%)	$524,400 (+16.66%) Land $193,600 Building $330,800	$547,105 (+3.45%)
2024			$528,865
2023	$5,583.00	$449,500 Land $182,300 Building $267,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	8 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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 92% of Massachusetts
Wildfire Likelihood	Under 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.

Drinking Water

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

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, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 162 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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