Middlesex County and Ayer Town property record for 49 Willard St, Ayer, MA 01432
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,203 sqft · built 1979 |
| Lot Size | 0.32 acres (13,939 sqft) |
| Owner | Individual Name on File |
| Last Sale | $450,000 (Oct 2021) |
| Tax Bill | $5,231 (2025) |
| Deeds & Mortgages | Apr 2021 Line of Credit Feb 2021 Refinance + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | AYER M:035 B:0000 L:0064 |
| Primary APN | AYER M:035 B:0000 L:0064 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,203 sqft Living Area |
| Basement Area | 1,125 sqft |
| Unfinished Basement | 1,125 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1993 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 13,939 sqft (0.32 acres) |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Street Address | 49 WILLARD ST |
|---|---|
| City | AYER |
| State | MA |
| Zip | 01432-1725 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | GR |
| Legal Lot Number | 64 |
| Jurisdiction | AYER MA |
| Township / Civil Division | AYER |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 325101 |
Source: Middlesex County and Ayer Town records · APN AYER M:035 B:0000 L:0064
Assessment roll updated April 14, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 49 WILLARD ST, AYER, MA 01432-1725 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 30, 2021 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Feb 09, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance ARC HOME LLC |
| Mar 11, 2024 | Deed of Trust, Mortgage · Line of Credit ROCKLAND TRUST CO |
| Oct 15, 2021 | Quit Claim Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE INC |
| Jul 02, 2019 | Quit Claim Deed, Transfer · Stand-Alone Refinance I-C FCU |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 15, 2021 · Amount on Record |
| Deed Sale | Oct 15, 2021 · Amount on Record |
| Prior Sale | Jul 02, 2019 · Amount on Record |
| Deed Book / Page | 78918 / 404 |
| Transfer Doc | 47039-198 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AYER MA |
| Property Address | 49 WILLARD ST, AYER, MA 01432-1725 |
| Transaction Type | Mortgage |
| Record Updated | Nov 11, 2025 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0077647-61 |
|---|---|
| Date | Apr 30, 2021 |
| Book Page | 77647/61 |
| Instrument | 97539 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | May 01, 2046 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AYER MA |
| Property Address | 49 WILLARD ST, AYER, MA 01432-1725 |
| Transaction Type | Mortgage |
| Record Updated | Nov 11, 2025 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 076922-347 |
|---|---|
| Date | Feb 09, 2021 |
| Book Page | 76922/347 |
| Instrument | 29877 |
| Name | ARC HOME LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AYER MA |
| Property Address | 49 WILLARD ST, AYER, MA 01432-1725 |
| Transaction Type | Mortgage |
| Record Updated | Nov 11, 2025 |
| Name | Verified Name |
|---|
| Document Number | 082556-470 |
|---|---|
| Date | Mar 11, 2024 |
| Book Page | 82556/470 |
| Instrument | 23916 |
| Name | ROCKLAND TRUST CO |
|---|---|
| Type | Non-Lending Institution |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Apr 01, 2049 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | AYER MA |
| Recording Date | Oct 15, 2021 |
| Property Address | 49 WILLARD ST, AYER, MA 01432-1725 |
| Document Number | 78918-404 |
| Book / Page | 78918 / 404 |
| Instrument Date | Oct 15, 2021 |
| Instrument | 226780 |
| Transaction Type | Transfer |
| Record Updated | Oct 29, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 49 WILLARD ST, AYER, MA 01432-1725 |
| Document Number | 226781 |
|---|---|
| Date | Oct 15, 2021 |
| Instrument | 226781 |
| Name | CROSSCOUNTRY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | AYER MA |
| Recording Date | Jul 02, 2019 |
| Property Address | 49 WILLARD ST, AYER, MA 01432-1725 |
| Document Number | 72877-209 |
| Book / Page | 72877 / 209 |
| Instrument Date | Jul 02, 2019 |
| Instrument | 94342 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 49 WILLARD ST, AYER, MA 01432-1725 |
| Document Number | 94343 |
|---|---|
| Date | Jul 02, 2019 |
| Instrument | 94343 |
| Name | I-C FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
Source: Middlesex County and Ayer Town records · Assessment roll updated April 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Ayer Town |
| Unified School District | Ayer-Shirley School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,231.00 (+14.64%) | $437,400 (+19.05%) Land $118,800 Building $318,600 | $492,005 (-5.87%) |
| 2024 | $522,690 | ||
| 2023 | $4,563.00 | $367,400 Land $111,800 Building $255,600 |
Source: FEMA National Flood Hazard Layer as of September 10, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| 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 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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: Spectrum.
Based on FCC filings for 224 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | AYER DPW WATER DIVISION serves 8,479 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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