Middlesex County and Ayer Town property record for 48 Groton School Rd, Ayer, MA 01432
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,679 sqft · built 1940 |
| Lot Size | 0.46 acres (20,038 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $79,900 (Jul 2004) |
| Tax Bill | $5,303 (2025) |
| Deeds & Mortgages | Dec 2025 Mortgage Apr 2022 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | AYER M:011 B:0000 L:0041 |
| Primary APN | AYER M:011 B:0000 L:0041 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,679 sqft Living Area |
| Basement Area | 1,274 sqft |
| Unfinished Basement | 1,274 sqft |
| Game Room | Game Room |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 20,038 sqft (0.46 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 48 GROTON SCHOOL RD |
|---|---|
| City | AYER |
| State | MA |
| Zip | 01432-1000 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A2 |
| Legal Lot Number | 41 |
| Jurisdiction | AYER MA |
| Township / Civil Division | AYER |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 325102 |
48 Groton School Rd is owned and occupied by two individuals who bought it in July 2004.
Source: Middlesex County and Ayer Town records, as of July 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 48 GROTON SCHOOL RD, AYER, MA 01432-1000 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 11, 2025 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Apr 13, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE |
| Oct 19, 2020 | Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS INC |
| Aug 5, 2019 | Deed of Trust, Mortgage · VA Mortgage QUAD CTY BK&TR |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 23, 2004 · Amount on File |
| Deed Sale | Jul 23, 2004 · Amount on File |
| Deed Document Number | 2004194822 |
| Deed Book / Page | 43360 / 598 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AYER MA |
| Property Address | 48 GROTON SCHOOL RD, AYER, MA 01432-1000 |
| Transaction Type | Mortgage |
| Record Updated | Mar 13, 2026 |
| Name | Verified Name |
|---|
| Document Number | 084988-307 |
|---|---|
| Date | Dec 11, 2025 |
| Book Page | 84988/307 |
| Instrument | 151511 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.75% |
| Type Change Date | Apr 1, 2031 |
| Index | 1-Year CMT |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AYER MA |
| Property Address | 48 GROTON SCHOOL RD, AYER, MA 01432-1000 |
| Transaction Type | Mortgage |
| Record Updated | Apr 29, 2022 |
| Name | Verified Name |
|---|
| Document Number | 079968-513 |
|---|---|
| Date | Apr 13, 2022 |
| Book Page | 79968/513 |
| Instrument | 55118 |
| Name | ROCKET MORTGAGE |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AYER MA |
| Property Address | 48 GROTON SCHOOL RD, AYER, MA 01432-1000 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 75910-517 |
|---|---|
| Date | Oct 19, 2020 |
| Book Page | 75910/517 |
| Instrument | 189211 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AYER MA |
| Property Address | 48 GROTON SCHOOL RD, AYER, MA 01432-1000 |
| Document Number | 73096-572 |
| Instrument Date | Aug 5, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 27, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 48 GROTON SCHOOL RD AYER MA 014321000, AYER, MA 01432-1000 |
| Document Number | 73096-572 |
|---|---|
| Date | Aug 13, 2019 |
| Book Page | 073096/000572 |
| Instrument | 119026 |
| Name | QUAD CTY BK&TR |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 12, 2049 |
The 2025 property tax bill for 48 Groton School Rd was $5,303.
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 | $5,303.00 | $443,400 Land $150,900 Building $292,500 | $608,000 (+8.35%) |
| 2024 | $561,165 | ||
| 2023 | $4,856.00 | $391,000 Land $162,500 Building $228,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 48 Groton School Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 10 policies |
| Nearby Flood Policies | 10 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 risk around 48 Groton School Rd is low, with a 0.01% annual chance of 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.
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 206 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 |
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