52 Willard St, Ayer, MA 01432 Property Records

Middlesex County and Ayer Town property record for 52 Willard St, Ayer, MA 01432 · Last verified April 2026

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,344 sqft · built 1945
Lot Size	0.19 acres (8,276 sqft)
Owner	Individual Name on File
Last Sale	$190,000 (Aug 2017)
Tax Bill	$3,517 (2025)
Deeds & Mortgages	Nov 2021 Refinance Nov 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`AYER M:035 B:0000 L:0088`

Property Details

APN / Parcel Number

Primary APN	`AYER M:035 B:0000 L:0088`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Units	2 Units
Stories	1 Story
Building Area	1,344 sqft Living Area

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1988
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,276 sqft (0.19 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	52 WILLARD ST
City	AYER
State	MA
Zip	01432-1724
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Lot Number	88
Jurisdiction	AYER MA
Township / Civil Division	AYER
Census Block Group	1
Census Block	1014
Census Tract	325101

Owner

Source: Middlesex County and Ayer Town records · APN AYER M:035 B:0000 L:0088

Assessment roll updated April 14, 2026 · Last verified April 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	52 WILLARD ST, AYER, MA 01432-1724
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 30, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance MAIN STREET BANK (MA)
Nov 30, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance MAIN STREET BANK (MA)
Aug 11, 2017	Quit Claim Deed, Transfer · FHA Mortgage ENVOY MORTGAGE LTD

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 11, 2017 · Amount on Record
Deed Sale	Aug 11, 2017 · Amount on Record
Prior Sale	Dec 06, 2002 · Amount on Record
Deed Book / Page	69761 / 478
Record Updated	Jun 08, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AYER MA
Property Address	52 WILLARD ST, AYER, MA 01432-1724
Transaction Type	Mortgage
Record Updated	Apr 03, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	079255-102
Date	Nov 30, 2021
Book Page	79255/102
Instrument	259664

Lender

Name	MAIN STREET BANK (MA)

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Dec 01, 2036

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AYER MA
Property Address	52 WILLARD ST, AYER, MA 01432-1724
Transaction Type	Mortgage
Record Updated	Apr 03, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	079255-118
Date	Nov 30, 2021
Book Page	79255/118
Instrument	259665

Lender

Name	MAIN STREET BANK (MA)

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Dec 01, 2041

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	AYER MA
Recording Date	Aug 11, 2017
Property Address	52 WILLARD ST, AYER, MA 01432-1724
Document Number	69761-478
Book / Page	69761 / 478
Instrument	128892
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$22.74
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	52 WILLARD ST, AYER, MA 01432-1724

Mortgage

Document Number	697610481
Date	Aug 11, 2017
Instrument	69761/0481

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 11, 2047

Tax Assessment & Valuation

Source: Middlesex County and Ayer Town records · Assessment roll updated April 14, 2026 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
County Subdivision	Ayer Town
Unified School District	Ayer-Shirley School District (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes and is not a market price estimate.

Year	Tax Bill	Assessed Value
2025	$3,517.00 (+29.44%)	$294,100 (+34.41%) Land $111,200 Building $182,900
2023	$2,717.00	$218,800 Land $104,600 Building $114,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Middlesex County (25017C), updated September 10, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250173251011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Low above 20% of the US · above 58% of Massachusetts
Wildfire Likelihood	About 1 in 8,333 per year
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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 224 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250
Verizon	Fixed Wireless	300 / 20

May also be available at this address: Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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