55 Shirley St, Ayer, MA 01432 Property Records

Middlesex County and Ayer Town property record for 55 Shirley St, Ayer, MA 01432

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,700 sqft · built 1850
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,601 (2025)
Deeds & Mortgages	May 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`AYER M:025 B:0000 L:0022`

Property Details

APN / Parcel Number

Primary APN	`AYER M:025 B:0000 L:0022`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,700 sqft Living Area
Basement Area	950 sqft
Unfinished Basement	950 sqft

Exterior

Year Built	Built 1850
Effective Year Built	Effective 1988
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,970 sqft (0.16 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	55 SHIRLEY ST
City	AYER
State	MA
Zip	01432-1218
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	GR
Legal Lot Number	22
Jurisdiction	AYER MA
Township / Civil Division	AYER
Census Block Group	5
Census Block	5017
Census Tract	325102

Owner

55 Shirley St is owned and occupied by two individuals.

Source: Middlesex County and Ayer Town records, as of July 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	55 SHIRLEY ST, AYER, MA 01432-1218
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AYER MA
Property Address	55 SHIRLEY ST, AYER, MA 01432-1218
Document Number	69379-399
Book / Page	069379 / 000399
Instrument Date	May 25, 2017
Transaction Type	Mortgage
Record Updated	Jun 20, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife

Mortgage

Document Number	69379-399
Date	Jun 2, 2017
Book Page	069379/000399
Instrument	83174

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 55 Shirley St was $4,601.

Source: Middlesex County and Ayer Town assessment roll, as of April 14, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,601.00	$384,700 Land $108,900 Building $275,800	$486,305 (+7.11%)
2024			$454,005
2023	$3,964.00	$319,200 Land $102,400 Building $216,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 55 Shirley St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
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.

Wildfire

Wildfire risk around 55 Shirley 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	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 92 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20