45 Pearl St, Ayer, MA 01432 Property Records

Middlesex County and Ayer Town property record for 45 Pearl St, Ayer, MA 01432

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,812 sqft · built 1949
Lot Size	0.7 acres (30,492 sqft)
Owner	Individual Name on File
Last Sale	$580,000 (Jul 2021)
Tax Bill	$7,019 (2025)
Deeds & Mortgages	Jul 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`AYER M:019 B:0000 L:0070`

Property Details

APN / Parcel Number

Primary APN	`AYER M:019 B:0000 L:0070`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,812 sqft Living Area
Basement Area	1,376 sqft
Unfinished Basement	1,074 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1988
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	30,492 sqft (0.7 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	45 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	70
Jurisdiction	AYER MA
Township / Civil Division	AYER
Census Block Group	1
Census Block	1005
Census Tract	325102

Owner

45 Pearl St is owned and occupied by an individual who bought it in July 2021.

Source: Middlesex County and Ayer Town records, as of July 20, 2026

Owner of Record	Individual Name on File
Mailing Address	45 PEARL ST, AYER, MA 01432-1131
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 16, 2021 · Amount on File
Deed Sale	Jul 16, 2021 · Amount on File
Deed Document Number	2021160931
Deed Book / Page	78262 / 242
Record Updated	Oct 29, 2026

July 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	AYER MA
Recording Date	Jul 16, 2021
Property Address	45 PEARL ST, AYER, MA 01432-1131
Document Number	078262-242
Book / Page	78262 / 242
Instrument Date	Jul 16, 2021
Instrument	160931
Transaction Type	Transfer
Record Updated	Jan 17, 2022

Transaction

Amount	Amount on Record
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	45 PEARL ST, AYER, MA 01432-1131

Mortgage

Document Number	0000160932
Date	Jul 16, 2021
Instrument	160932

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 45 Pearl St was $7,019.

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	$7,019.00	$586,900 Land $157,900 Building $429,000	$682,860 (+3.13%)
2024			$662,150
2023	$6,416.00	$516,600 Land $170,100 Building $346,500

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

Flood

FEMA maps place 45 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

Wildfire risk around 45 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	Direct burnable vegetation

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 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