Middlesex County and Ayer Town property record for 45 Groton School Rd, Ayer, MA 01432
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,422 sqft · built 1950 |
| Lot Size | 0.49 acres (21,344 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $67,500 (Dec 1984) |
| Tax Bill | $4,905 (2025) |
| Deeds & Mortgages | Mar 2018 Mortgage Mar 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | AYER M:012 B:0000 L:0021 |
| Primary APN | AYER M:012 B:0000 L:0021 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,422 sqft Living Area |
| Basement Area | 1,070 sqft |
| Unfinished Basement | 1,070 sqft |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 21,344 sqft (0.49 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 45 GROTON SCHOOL RD |
|---|---|
| City | AYER |
| State | MA |
| Zip | 01432-1058 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A2 |
| Legal Lot Number | 21 |
| Jurisdiction | AYER MA |
| Township / Civil Division | AYER |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 325102 |
45 Groton School Rd is owner-occupied and held in a trust since March 2025.
Source: Middlesex County and Ayer Town records, as of July 20, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 45 GROTON SCHOOL RD, AYER, MA 01432-1058 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
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 |
|---|---|
| Mar 22, 2018 | Deed of Trust, Mortgage · Closed-End Mortgage DIGITAL FCU |
| Mar 22, 2019 | Deed of Trust, Mortgage · Line of Credit THIRD FED'L S&L ASSN |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 12, 1984 · Amount on File |
| Deed Sale | Dec 12, 1984 · Amount on File |
| Last Transfer Date | Mar 21, 2025 |
| Transfer Doc | 083892-285 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AYER MA |
| Property Address | 45 GROTON SCHOOL RD, AYER, MA 01432-1058 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 70763-176 |
|---|---|
| Date | Mar 22, 2018 |
| Book Page | 70763/176 |
| Instrument | 38014 |
| Name | DIGITAL FCU |
|---|---|
| Type | Credit Union |
| Type | Closed-End Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | Mar 1, 2058 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AYER MA |
| Property Address | 45 GROTON SCHOOL RD, AYER, MA 01432-1058 |
| Document Number | 72457-101 |
| Instrument Date | Mar 22, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Apr 30, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 45 GROTON SCHOOL RD AYER MA 014321058, AYER, MA 01432-1058 |
| Document Number | 72457-101 |
|---|---|
| Date | Apr 16, 2019 |
| Book Page | 072457/000101 |
| Instrument | 46338 |
| Name | THIRD FED'L S&L ASSN |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 15, 2049 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 45 Groton School Rd was $4,905.
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 | $4,905.00 | $410,100 Land $151,800 Building $258,300 | $488,490 (+1%) |
| 2024 | $483,645 | ||
| 2023 | $4,623.00 | $372,200 Land $163,500 Building $208,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 45 Groton School Rd in Zone X, an area of minimal flood risk.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File 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.
Wildfire risk around 45 Groton School Rd 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 |
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures