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45 Washington St, Ayer, MA 01432 Property Records

Middlesex County and Ayer Town property record for 45 Washington St, Ayer, MA 01432 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,220 sqft · built 1920
Lot Size0.16 acres (6,970 sqft)
OwnerIndividual Name on File
Last Sale$369,900 (Sep 2020)
Tax Bill$5,476 (2025)
Deeds & MortgagesDec 2023 Refinance
Sep 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APNAYER M:026 B:0000 L:0188

Property Details

APN / Parcel Number

Primary APNAYER M:026 B:0000 L:0188

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms7 Rooms
Stories2 Stories
Building Area2,220 sqft Living Area
Basement Area1,166 sqft
Unfinished Basement1,166 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1920
Effective Year BuiltEffective 1988
Architectural StyleColonial
Exterior MaterialWood Siding
Construction TypeStone
Roof TypeGambrel
Roof MaterialAsphalt
Lot Area6,970 sqft (0.16 acres)
Garage TypeDetached

Utilities, Heating & Cooling

Heating SystemSteam
Heating FuelOil

Location & Zoning

Street Address45 WASHINGTON ST
CityAYER
StateMA
Zip01432-1314
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Lot Number188
JurisdictionAYER MA
Township / Civil DivisionAYER
Census Block Group3
Census Block3015
Census Tract325102

Owner

Source: Middlesex County and Ayer Town records · APN AYER M:026 B:0000 L:0188

Assessment roll updated April 14, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address45 WASHINGTON ST, AYER, MA 01432-1314
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Dec 22, 2023Quit Claim Deed, Transfer · Stand-Alone Refinance
MAIN STREET BANK (MA)
Sep 10, 2020Quit Claim Deed, Transfer · Stand-Alone First Mortgage
MAIN STREET BANK (MA)

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleSep 10, 2020 · Amount on Record
Deed SaleSep 10, 2020 · Amount on Record
Prior SaleJun 29, 2015 · Amount on Record
Deed Book / Page75582 / 117
Last Transfer DateDec 05, 2023
Transfer Doc082339-267
Record UpdatedSep 20, 2026

December 2023: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionAYER MA
Recording DateDec 22, 2023
Property Address45 WASHINGTON ST, AYER, MA 01432-1314
Document Number082339-267
Book / Page82339 / 267
Instrument DateDec 05, 2023
Instrument146312
Transaction TypeTransfer
Record UpdatedJul 24, 2024

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address45 WASHINGTON ST, AYER, MA 01432-1314

Mortgage

Document Number0000146313
DateDec 22, 2023
Instrument146313
Lender
NameMAIN STREET BANK (MA)
Agreement
TypeStand-Alone Refinance
AmountAmount Recorded
Term241 Months
DueJan 01, 2044

September 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionAYER MA
Recording DateSep 10, 2020
Property Address45 WASHINGTON ST, AYER, MA 01432-1314
Document Number75582-117
Book / Page75582 / 117
Instrument DateSep 08, 2020
Instrument158643
Transaction TypeTransfer
Record UpdatedMay 12, 2021

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address45 WASHINGTON ST, AYER, MA 01432-1314

Mortgage

Document Number158644
DateSep 10, 2020
Instrument158644
Lender
NameMAIN STREET BANK (MA)
Agreement
TypeStand-Alone First Mortgage
AmountAmount Recorded

Tax Assessment & Valuation

Source: Middlesex County and Ayer Town records · Assessment roll updated April 14, 2026 · Last verified August 2026

Property Jurisdictions

TypeName
StateMassachusetts
CountyMiddlesex County
County SubdivisionAyer Town
Unified School DistrictAyer-Shirley School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$5,476.00 (+11.5%)$457,900 (+15.81%) Land $133,800 Building $324,100$530,100 (+1.94%)
2024$520,030
2023$4,911.00$395,400 Land $125,100 Building $270,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Middlesex County (25017C), updated September 10, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250173251023, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearby Flood Policies2 in force

Wildfire

Wildfire RiskLow
above 20% of the US · above 58% of Massachusetts
Wildfire LikelihoodAbout 1 in 10,000 per year
ExposureIndirect
within ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 299 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
XfinityCable2,000 / 2,000
VerizonFixed Wireless300 / 20
T-Mobile USAFixed Wireless100 / 20
AT&TFixed Wireless100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

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