Middlesex County and Ayer Town property record for 48 Central Ave, Unit 1, Ayer, MA 01432
| Property Type | Condominium |
|---|---|
| Details | 3 bd · 3 ba · 1,602 sqft · built 2020 |
| Lot Size | 0.955 acres (41,600 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $549,000 (Dec 2024) |
| Tax Bill | $6,030 (2025) |
| Deeds & Mortgages | Dec 2024 Sale & Mortgage Jun 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | AYER M:027 B:0051 L:0001 |
| Primary APN | AYER M:027 B:0051 L:0001 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 6 Rooms |
| Units | 7 Units |
| Stories | 2 Stories |
| Building Area | 1,602 sqft Living Area |
| Basement Area | 782 sqft |
| Unfinished Basement | 782 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 41,600 sqft (0.955 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 48 CENTRAL AVE, 1 |
|---|---|
| City | AYER |
| State | MA |
| Zip | 01432-1271 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Legal Block | 51 |
| Legal Lot Number | 1 |
| Jurisdiction | AYER MA |
| Township / Civil Division | AYER |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 325102 |
Source: Middlesex County and Ayer Town records, as of July 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 48 CENTRAL AVE, 1, AYER, MA 01432-1271 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Dec 26, 2024 | Condominium Deed, Transfer · Stand-Alone First Mortgage FIFTH THIRD BANK |
| Jun 2, 2021 | Condominium Deed, Transfer · Stand-Alone First Mortgage LEADER BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 26, 2024 · Amount on Record |
| Deed Sale | Dec 26, 2024 · Amount on Record |
| Prior Sale | Jun 2, 2021 · Amount on Record |
| Deed Book / Page | 83626 / 122 |
| Record Updated | Sep 20, 2026 |
| Document Type | Condominium Deed |
|---|---|
| Jurisdiction | AYER MA |
| Recording Date | Dec 26, 2024 |
| Property Address | 48 CENTRAL AVE UNIT 1, 1, AYER, MA 01432-1271 |
| Document Number | 083626-122 |
| Book / Page | 83626 / 122 |
| Instrument Date | Dec 26, 2024 |
| Instrument | 147804 |
| Transaction Type | Transfer |
| Record Updated | Mar 13, 2026 |
| Amount | Amount Recorded |
|---|---|
| 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 | Tenants by the Entirety |
| Address | 48 CENTRAL AVE UNIT 1, 1, AYER, MA 01432-1271 |
| Document Number | 0000147805 |
|---|---|
| Date | Dec 26, 2024 |
| Instrument | 147805 |
| Name | FIFTH THIRD BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.5% |
| Type Change Date | Jan 1, 2030 |
| Max Rate At Change | 3% |
| Index | Other |
| Margin | 3 |
| Document Type | Condominium Deed |
|---|---|
| Jurisdiction | AYER MA |
| Recording Date | Jun 2, 2021 |
| Property Address | 48 CENTRAL AVE UNIT 1, 1, AYER, MA 01432-1271 |
| Document Number | 77924-217 |
| Book / Page | 77924 / 217 |
| Instrument Date | Jun 2, 2021 |
| Instrument | 125317 |
| Transaction Type | Transfer |
| Record Updated | Jun 18, 2021 |
| Amount | Amount Recorded |
|---|---|
| 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 |
|---|---|
| Address | 48 CENTRAL AVE UNIT 1, 1, AYER, MA 01432-1271 |
| Document Number | 125318 |
|---|---|
| Date | Jun 2, 2021 |
| Instrument | 125318 |
| Name | LEADER BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $6,030.00 (+20.1%) | $504,200 (+24.71%) Building $504,200 | $518,985 (+2.55%) |
| 2024 | $506,065 | ||
| 2023 | $5,021.00 | $404,300 Building $404,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 2 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.
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 |
| Adjoins Burnable Land | Yes |
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 162 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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