48 Central Ave, Unit 4, Ayer, MA 01432 Property Records

Middlesex County and Ayer Town property record for 48 Central Ave, Unit 4, Ayer, MA 01432

Property Summary

Property Type	Condominium
Details	3 bd · 3 ba · 1,608 sqft · built 2020
Lot Size	0.955 acres (41,600 sqft)
Owner	2 Individual Names on Record
Last Sale	$425,000 (Feb 2021)
Tax Bill	$6,039 (2025)
Deeds & Mortgages	Feb 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`AYER M:027 B:0051 L:0004`

Property Details

APN / Parcel Number

Primary APN	`AYER M:027 B:0051 L:0004`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Units	7 Units
Stories	2 Stories
Building Area	1,608 sqft Living Area
Basement Area	791 sqft
Unfinished Basement	791 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

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)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	48 CENTRAL AVE, 4
City	AYER
State	MA
Zip	01432-1271
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Block	51
Legal Lot Number	4
Jurisdiction	AYER MA
Township / Civil Division	AYER
Census Block Group	3
Census Block	3001
Census Tract	325102

Owner

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	2 Individual Names on Record
Mailing Address	48 CENTRAL AVE, 4, AYER, MA 01432-1271
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 25, 2021 · Amount on Record
Deed Sale	Feb 25, 2021 · Amount on Record
Deed Document Number	202142289
Deed Book / Page	77061 / 332
Record Updated	Sep 20, 2026

February 2021: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	AYER MA
Recording Date	Feb 25, 2021
Property Address	48 CENTRAL AVE UNIT 4, 4, AYER, MA 01432-1271
Document Number	77061-332
Book / Page	77061 / 332
Instrument Date	Feb 23, 2021
Instrument	42289
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
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
Relationship	Tenants by the Entirety
Address	48 CENTRAL AVE UNIT 4, 4, AYER, MA 01432-1271

Mortgage

Document Number	42290
Date	Feb 25, 2021
Instrument	42290

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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	$6,039.00 (+20.16%)	$504,900 (+24.76%) Building $504,900	$522,690 (+7.08%)
2024			$488,110
2023	$5,026.00	$404,700 Building $404,700

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 · 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.

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
Adjoins Burnable Land	Yes

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 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