46 Washington St, Ayer, MA 01432 Property Records

Middlesex County and Ayer Town property record for 46 Washington St, Ayer, MA 01432

Property Summary

Property Type	Duplex
Details	3 bd · 3.5 ba · 5,596 sqft · built 1900
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on Record
Last Sale	$315,000 (Dec 2016)
Tax Bill	$6,187 (2025)
Deeds & Mortgages	May 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`AYER M:026 B:0000 L:0162`

Property Details

APN / Parcel Number

Primary APN	`AYER M:026 B:0000 L:0162`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	3 Stories
Building Area	5,596 sqft Living Area
Basement Area	2,741 sqft
Unfinished Basement	2,741 sqft
Game Room	Game Room

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1988
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Stone
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	46 WASHINGTON ST
City	AYER
State	MA
Zip	01432-1313
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	GR
Legal Lot Number	162
Jurisdiction	AYER MA
Township / Civil Division	AYER
Census Block Group	1
Census Block	1008
Census Tract	325102

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	46 WASHINGTON ST, AYER, MA 01432-1313
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 16, 2016 · Amount on Record
Deed Sale	Dec 16, 2016 · Amount on Record
Prior Sale	Jun 3, 2010 · Amount on Record
Deed Book / Page	68609 / 26
Transfer Doc	0068609-26
Record Updated	Oct 29, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AYER MA
Property Address	46 WASHINGTON ST, AYER, MA 01432-1313
Document Number	71100-362
Instrument Date	May 31, 2018
Transaction Type	Mortgage
Record Updated	Jun 20, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust

Mortgage

Document Number	71100-362
Date	Jun 1, 2018
Book Page	071100/000362
Instrument	78477

Lender

Name	WINCHESTER BK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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	$6,187.00 (+17.85%)	$517,300 (+22.38%) Land $136,600 Building $380,700	$790,034
2023	$5,250.00	$422,700 Land $127,900 Building $294,800

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

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

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.

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