Middlesex County and Ayer Town property record for 45 Mulberry Cir, Ayer, MA 01432
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,632 sqft · built 1995 |
| Lot Size | 0.92 acres (40,075 sqft) |
| Owner | Individual Name on File |
| Last Sale | $689,500 (May 2026) |
| Tax Bill | $6,442 (2025) |
| Deeds & Mortgages | May 2026 Sale & Mortgage Jun 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | AYER M:016 B:0000 L:0026 |
| Primary APN | AYER M:016 B:0000 L:0026 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,632 sqft Living Area |
| Basement Area | 816 sqft |
| Unfinished Basement | 516 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Construction Type | Concrete |
| Roof Type | Gambrel |
| Roof Material | Asphalt |
| Lot Area | 40,075 sqft (0.92 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Street Address | 45 MULBERRY CIR |
|---|---|
| City | AYER |
| State | MA |
| Zip | 01432-1558 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A1 |
| Legal Lot Number | 26 |
| Jurisdiction | AYER MA |
| Township / Civil Division | AYER |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 325101 |
45 Mulberry Cir is owned and occupied by an individual who bought it in May 2026.
Source: Middlesex County and Ayer Town records, as of July 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 45 MULBERRY CIR, AYER, MA 01432-1558 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
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 |
|---|---|
| May 22, 2026 | Quit Claim Deed, Transfer · Conventional Mortgage WEBSTER FIRST FEDERAL CREDIT UNION |
| Jun 18, 2020 | Quit Claim Deed, Transfer SALEM FIVE MTG |
| Jan 6, 2020 | Foreclosure NOT AVAILABLE |
| Sep 13, 2018 | Redemption Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 22, 2026 · Amount on File |
| Deed Sale | May 22, 2026 · Amount on File |
| Prior Sale | Jan 6, 2020 · Amount on File |
| Deed Document Number | 202659662 |
| Deed Book / Page | 85634 / 324 |
| Prior Transfer Date | May 21, 2026 |
| Prior Transfer Doc | 085634-324 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | AYER MA |
| Recording Date | May 22, 2026 |
| Property Address | 45 MULBERRY CIR, AYER, MA 01432-1558 |
| Document Number | 085634-324 |
| Book / Page | 85634 / 324 |
| Instrument Date | May 21, 2026 |
| Instrument | 202659662 |
| Transaction Type | Transfer |
| Record Updated | Jun 9, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 45 MULBERRY CIR, AYER, MA 01432-1558 |
| Date | May 22, 2026 |
|---|
| Name | WEBSTER FIRST FEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate | 6.37% |
|---|---|
| Max Rate | -1% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | AYER MA |
| Recording Date | Jun 18, 2020 |
| Property Address | 45 MULBERRY CIR, AYER, MA 01432-1558 |
| Document Number | 74941-242 |
| Book / Page | 074941 / 000242 |
| Instrument Date | Jun 18, 2020 |
| Instrument | 97776 |
| Transaction Type | Transfer |
| Record Updated | Jun 25, 2021 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 45 MULBERRY CIR AYER MA 014321558, AYER, MA 01432-1558 |
| Document Number | 74916-181 |
|---|---|
| Date | Jun 18, 2020 |
| Book Page | 074916/000181 |
| Instrument | 95402 |
| Name | SALEM FIVE MTG |
|---|---|
| Type | Mortgage Company |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jun 17, 2050 |
| Document Type | Foreclosure |
|---|---|
| Jurisdiction | AYER MA |
| Recording Date | Jan 6, 2020 |
| Property Address | 45 MULBERRY CIR, AYER, MA 01432-1558 |
| Document Number | 73950-282 |
| Book / Page | 073950 / 000282 |
| Instrument Date | Dec 20, 2019 |
| Instrument | 2139 |
| Transaction Type | Foreclosure |
| Record Updated | Jan 21, 2020 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Tax | $1,185.60 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 9990 RICHMOND AVE #400S HOUSTON TX 770428500, 400S, HOUSTON, TX 77042-8500 |
| Document Type | Redemption Deed |
|---|---|
| Jurisdiction | AYER MA |
| Recording Date | Sep 13, 2018 |
| Property Address | 45 MULBERRY CIR, AYER, MA 01432-1558 |
| Document Number | 71610-54 |
| Book / Page | 071610 / 000054 |
| Instrument Date | Aug 24, 2018 |
| Instrument | 141427 |
| Transaction Type | Transfer |
| Record Updated | Oct 2, 2018 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 45 MULBERRY CIR AYER MA 014321558, AYER, MA 01432-1558 |
The 2025 property tax bill for 45 Mulberry Cir was $6,442.
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 | $6,442.00 | $538,600 Land $199,500 Building $339,100 | $632,795 (+11.09%) |
| 2024 | $569,620 | ||
| 2023 | $5,840.00 | $470,200 Land $188,100 Building $282,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 45 Mulberry Cir 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 |
| 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 risk around 45 Mulberry Cir 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 | Direct burnable vegetation |
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 150 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 |
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