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48 Groton Harvard Rd, Ayer, MA 01432 Property Records

Middlesex County and Ayer Town property record for 48 Groton Harvard Rd, Ayer, MA 01432

Property Summary

Property TypeSingle Family Home
Details3 bd · 1.5 ba · 1,330 sqft · built 1994
Lot Size0.94 acres (40,946 sqft)
Owner2 Individual Names on File
Last Sale$586,000 (Jun 2024)
Tax Bill$5,988 (2025)
Deeds & MortgagesJun 2024 Sale & Refinance
Jun 2023 Transfer
+ 2 more
Flood ZoneZone X (minimal risk)
APNAYER M:027 B:0000 L:0188

Property Details

APN / Parcel Number

Primary APNAYER M:027 B:0000 L:0188

Interior

Bedrooms3 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Total Rooms6 Rooms
Stories2 Stories
Building Area1,330 sqft Living Area
Gross Area2,760 sqft
Basement Area736 sqft
Unfinished Basement512 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1994
Effective Year BuiltEffective 2003
Architectural StyleCape Cod
Exterior MaterialAluminum/Vinyl
Construction TypeConcrete
Roof TypeGable
Roof MaterialAsphalt
Lot Area40,946 sqft (0.94 acres)

Utilities, Heating & Cooling

Heating SystemHot Water
Heating FuelOil

Location & Zoning

Street Address48 GROTON HARVARD RD
CityAYER
StateMA
Zip01432-1408
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeA1
Legal Lot Number188
JurisdictionAYER MA
Township / Civil DivisionAYER
Census Block Group3
Census Block3001
Census Tract325102

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Individual Names on File
Mailing Address48 GROTON HARVARD RD, AYER, MA 01432-1408
OccupancyOwner Occupied
Owner TypeIndividual
VestingTenants by the Entirety

Deeds, Mortgages & Sale History

DateDocument
Jun 21, 2024Quit Claim Deed, Transfer · Stand-Alone Refinance
GUILD MORTGAGE CO
Jun 28, 2023Quit Claim Deed, Transfer
Quitclaim
Nov 30, 2020Quit Claim Deed, Transfer · Stand-Alone First Mortgage
HOMEBRIDGE FINANCIAL SERVICES INC
May 15, 2018Quit Claim Deed, Transfer
FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 21, 2024 · Amount on File
Deed SaleJun 21, 2024 · Amount on File
Prior SaleNov 30, 2020 · Amount on File
Deed Book / Page82915 / 457
Prior Transfer DateNov 18, 2020
Prior Transfer Doc076293-185
Record UpdatedOct 29, 2026

June 2024: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionAYER MA
Recording DateJun 21, 2024
Property Address48 GROTON HARVARD RD, AYER, MA 01432-1408
Document Number082915-457
Book / Page82915 / 457
Instrument DateJun 12, 2024
Instrument66522
Transaction TypeTransfer
Record UpdatedFeb 16, 2026

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
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
RelationshipTenants by the Entirety
Address48 GROTON HARVARD RD, AYER, MA 01432-1408

Mortgage

Document Number0000066523
DateJun 21, 2024
Instrument66523
Lender
NameGUILD MORTGAGE CO
TypeMortgage Company
Agreement
TypeStand-Alone Refinance
AmountAmount on Record
Term361 Months
DueJul 1, 2054

June 2023: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionAYER MA
Recording DateJun 28, 2023
Property Address48 GROTON HARVARD RD, AYER, MA 01432-1408
Document Number081707-272
Book / Page81707 / 272
Instrument DateJun 22, 2023
Instrument70004
Transaction TypeTransfer
Record UpdatedJan 20, 2026

Transaction

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

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name

November 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionAYER MA
Recording DateNov 30, 2020
Property Address48 GROTON HARVARD RD, AYER, MA 01432-1408
Document Number076293-185
Book / Page76293 / 185
Instrument DateNov 18, 2020
Instrument225438
Transaction TypeTransfer
Record UpdatedMay 10, 2022

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
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
RelationshipTenants by the Entirety
Address2 GROTON HARVARD RD, AYER, MA 01432-1802

Mortgage

Document Number0000225439
DateNov 30, 2020
Instrument225439
Lender
NameHOMEBRIDGE FINANCIAL SERVICES INC
TypeFunding / Finance Company
Agreement
TypeStand-Alone First Mortgage
AmountAmount on Record

May 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionAYER MA
Recording DateMay 15, 2018
Property Address48 GROTON HARVARD RD, AYER, MA 01432-1408
Document Number071007-255
Book / Page71007 / 255
Instrument67529
Transaction TypeTransfer
Record UpdatedMay 10, 2022

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$45.15
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address48 GROTON HARVARD RD, AYER, MA 01432-1408

Mortgage

Document Number0710070259
DateMay 15, 2018
Instrument71007/0259
Lender
NameFAIRWAY INDEPENDENT MORTGAGE CORP
TypeMortgage Company
Agreement
AmountAmount on Record
Term360 Months
DueMay 15, 2048

Tax Assessment & Valuation

Source: Middlesex County and Ayer Town assessment roll, as of April 14, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$5,988.00 (+9.27%)$500,700 (+13.49%) Land $199,800 Building $300,900$538,935 (+0.25%)
2024$537,605
2023$5,480.00$441,200 Land $188,500 Building $252,700

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies2 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 RiskLow
lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood0.01% annual chance
ExposureDirect
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 SystemAYER DPW WATER DIVISION
serves 8,479 people · EPA ID MA2019000
Water SourceGroundwater
Last State InspectionJun 2024
Lead1 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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