Middlesex County and Ayer Town property record for 49 Pearl St, Ayer, MA 01432
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,643 sqft · built 1925 |
| Lot Size | 0.35 acres (15,246 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $520,000 (Aug 2022) |
| Tax Bill | $5,754 (2025) |
| Deeds & Mortgages | Dec 2025 Line of Credit Aug 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | AYER M:019 B:0000 L:0069 |
| Primary APN | AYER M:019 B:0000 L:0069 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,643 sqft Living Area |
| Basement Area | 913 sqft |
| Unfinished Basement | 913 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 15,246 sqft (0.35 acres) |
| Garage Type | Detached |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 49 PEARL ST |
|---|---|
| City | AYER |
| State | MA |
| Zip | 01432-1131 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A2 |
| Legal Lot Number | 69 |
| Jurisdiction | AYER MA |
| Township / Civil Division | AYER |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 325102 |
49 Pearl St is owned and occupied by two individuals who bought it in August 2022.
Source: Middlesex County and Ayer Town records, as of July 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 49 PEARL ST, AYER, MA 01432-1131 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 9, 2025 | Deed of Trust, Mortgage · Line of Credit HANSCOM FCU |
| Aug 18, 2022 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage LEADER BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 18, 2022 · Amount on File |
| Deed Sale | Aug 18, 2022 · Amount on File |
| Prior Sale | May 20, 2016 · Amount on File |
| Deed Book / Page | 80598 / 377 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AYER MA |
| Property Address | 49 PEARL ST, AYER, MA 01432-1131 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 084978-361 |
|---|---|
| Date | Dec 9, 2025 |
| Book Page | 84978/361 |
| Instrument | 150367 |
| Name | HANSCOM FCU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 349 Months |
| Due | Jan 1, 2055 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | AYER MA |
| Recording Date | Aug 18, 2022 |
| Property Address | 49 PEARL ST, AYER, MA 01432-1131 |
| Document Number | 080598-377 |
| Book / Page | 80598 / 377 |
| Instrument Date | Aug 18, 2022 |
| Instrument | 126997 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2025 |
| Amount | Amount on Record |
|---|---|
| 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 | 49 PEARL ST, AYER, MA 01432-1131 |
| Document Number | 0000126998 |
|---|---|
| Date | Aug 18, 2022 |
| Instrument | 126998 |
| Name | LEADER BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 49 Pearl St was $5,754.
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 | $5,754.00 | $481,100 Land $146,400 Building $334,700 | $594,510 (+3.85%) |
| 2024 | $572,470 | ||
| 2023 | $5,221.00 | $420,400 Land $157,100 Building $263,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 49 Pearl St in Zone X, an area of minimal flood risk.
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 risk around 49 Pearl St 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 | Direct burnable vegetation |
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 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 |
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