Middlesex County and Ayer Town property record for 50 Pearl St, Ayer, MA 01432
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,194 sqft · built 1950 |
| Lot Size | 0.32 acres (13,939 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $627,000 (Mar 2024) |
| Tax Bill | $5,387 (2025) |
| Deeds & Mortgages | Oct 2025 Line of Credit Oct 2025 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | AYER M:019 B:0000 L:0041 |
| Primary APN | AYER M:019 B:0000 L:0041 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,194 sqft Living Area |
| Gross Area | 2,842 sqft |
| 1st Floor Area | 1,170 sqft |
| Basement Area | 1,208 sqft |
| Unfinished Basement | 888 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 13,939 sqft (0.32 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Street Address | 50 PEARL ST |
|---|---|
| City | AYER |
| State | MA |
| Zip | 01432-1130 |
| 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 | 5 |
| Census Block | 5000 |
| Census Tract | 325102 |
Source: Middlesex County and Ayer Town records, as of October 19, 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 Record |
|---|---|
| Mailing Address | 50 PEARL ST, AYER, MA 01432-1130 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants with Right of Survivorship |
| Date | Document |
|---|---|
| Oct 28, 2025 | Deed of Trust, Mortgage · Line of Credit LEADER BANK NA |
| Oct 28, 2025 | Deed of Trust, Mortgage LEADER BANK NA |
| Mar 29, 2024 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage LEADER BANK NA |
| Jan 18, 2024 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage DUNEGRASS CAPITAL LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 29, 2024 · Amount on Record |
| Deed Sale | Mar 29, 2024 · Amount on Record |
| Prior Sale | Jan 18, 2024 · Amount on Record |
| Deed Document Number | 202431294 |
| Deed Book / Page | 82616 / 157 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AYER MA |
| Property Address | 50 PEARL ST, AYER, MA 01432-1130 |
| Transaction Type | Mortgage |
| Record Updated | Nov 19, 2025 |
| Name | Verified Name |
|---|
| Document Number | 084791-286 |
|---|---|
| Date | Oct 28, 2025 |
| Book Page | 84791/286 |
| Instrument | 130578 |
| Name | LEADER BANK NA |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AYER MA |
| Property Address | 50 PEARL ST, AYER, MA 01432-1130 |
| Transaction Type | Mortgage |
| Record Updated | Nov 19, 2025 |
| Name | Verified Name |
|---|
| Document Number | 084791-270 |
|---|---|
| Date | Oct 28, 2025 |
| Book Page | 84791/270 |
| Instrument | 130577 |
| Name | LEADER BANK NA |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | AYER MA |
| Recording Date | Mar 29, 2024 |
| Property Address | 50 PEARL ST, AYER, MA 01432-1130 |
| Document Number | 082616-157 |
| Book / Page | 82616 / 157 |
| Instrument Date | Mar 29, 2024 |
| Instrument | 31294 |
| Transaction Type | Transfer |
| Record Updated | Apr 12, 2024 |
| Amount | Amount Recorded |
|---|---|
| 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 | Joint Tenants with Right of Survivorship |
| Address | 50 PEARL ST, AYER, MA 01432-1130 |
| Document Number | 0000031295 |
|---|---|
| Date | Mar 29, 2024 |
| Instrument | 31295 |
| Name | LEADER BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | AYER MA |
| Recording Date | Jan 18, 2024 |
| Property Address | 50 PEARL ST, AYER, MA 01432-1130 |
| Document Number | 082408-372 |
| Book / Page | 82408 / 372 |
| Instrument Date | Jan 18, 2024 |
| Instrument | 5862 |
| Transaction Type | Transfer |
| Record Updated | Feb 2, 2024 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 67 S BEDFORD ST # STE40, STE40, BURLINGTON, MA 01803-5108 |
| Document Number | 0000005863 |
|---|---|
| Date | Jan 18, 2024 |
| Instrument | 5863 |
| Name | DUNEGRASS CAPITAL LLC |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $5,387.00 (+5.28%) | $450,400 (+9.32%) Land $144,600 Building $305,800 | $585,865 (+0.46%) |
| 2024 | $583,205 | ||
| 2023 | $5,117.00 | $412,000 Land $155,200 Building $256,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 1 (2023) |
| Most Recent Claim | Jul 2023 · tidal / storm surge |
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: 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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