Middlesex County and Ayer Town property record for 5 Gardner Ln, Ayer, MA 01432 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 1.5 Baths |
| Year Built | Built 2002 |
| Square Footage | 2,144 sqft Living Area |
| Lot Size | 14,810 sqft (0.34 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $124,900 (1992) |
| Tax Bill | $6,341.00 (2025) |
| Primary APN | AYER M:012 B:0000 L:0143 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Partial Baths | 1 Partial Baths |
| Total Rooms | 7 Rooms |
| Building Area | 2,144 sqft Living Area |
| Basement Area | 1,344 sqft Basement |
| Unfinished Basement | 1,344 sqft Unfinished |
| Stories | 2 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | Colonial Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Construction Type | Concrete Construction |
| Roof Construction | Gable Roof Construction |
| Roof Material | Asphalt Roof |
| Lot Area | 14,810 sqft (0.34 acres) |
| Heating System | Hot Water Heating |
|---|---|
| Heating Fuel | Oil Heating Fuel |
| Street Address | 5 GARDNER LN |
|---|---|
| City | AYER |
| State | MA |
| Zip | 01432-1059 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Lot Number | 143 |
| Jurisdiction | AYER MA |
| Minor Civil Division | AYER |
| Census Blockgroup | 2 |
| Census Block | 2015 |
| Census Tract | 325102 |
Source: Middlesex County and Ayer Town records · APN AYER M:012 B:0000 L:0143
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 5 GARDNER LN, AYER, MA 01432-1059 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Tenant By Entirety |
| Date | Document |
|---|---|
| Oct 12, 2021 | Deed of Trust, Mortgage · Stand Alone Refinance ST MARYS CREDIT UNION |
| Oct 12, 2021 | Deed of Trust, Mortgage · Line of Credit ST MARYS CREDIT UNION |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 24, 1992 · Amount on Record |
| Deed Sale | Nov 24, 1992 · Amount on Record |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AYER MA |
| Property Address | 5 GARDNER LN, AYER, MA 01432-1059 |
| Transaction Type | Mortgage |
| Record Updated | Oct 29, 2021 |
| Name | Verified Name |
|---|
| Document Number | 78887-219 |
|---|---|
| Date | Oct 12, 2021 |
| Book Page | 78887/219 |
| Instrument | 223640 |
| Name | ST MARYS CREDIT UNION |
|---|
| Type | Stand Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Nov 01, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AYER MA |
| Property Address | 5 GARDNER LN, AYER, MA 01432-1059 |
| Transaction Type | Mortgage |
| Record Updated | Oct 29, 2021 |
| Name | Verified Name |
|---|
| Document Number | 78887-237 |
|---|---|
| Date | Oct 12, 2021 |
| Book Page | 78887/237 |
| Instrument | 223641 |
| Name | ST MARYS CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
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 | $6,341.00 (+7.15%) | $530,200 (+11.27%) Land $145,700 Building $384,500 | $606,860 (+0.82%) |
| 2024 | $601,920 | ||
| 2023 | $5,918.00 | $476,500 Land $156,400 Building $320,100 |
Source: FEMA National Flood Hazard Layer, Middlesex County (25017C), updated September 10, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 20% of the US · above 58% of Massachusetts |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Indirect within ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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