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56 Pearl St, Ayer, MA 01432 Property Records

Middlesex County and Ayer Town property record for 56 Pearl St, Ayer, MA 01432

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 2,288 sqft · built 1948
Lot Size0.5 acres (21,780 sqft)
Owner2 Individual Names on Record
Last Sale$501,000 (Nov 2021)
Tax Bill$6,052 (2025)
Deeds & MortgagesJul 2021 Refinance
Nov 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APNAYER M:019 B:0000 L:0038

Property Details

APN / Parcel Number

Primary APNAYER M:019 B:0000 L:0038

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms10 Rooms
Stories2 Stories
Building Area2,288 sqft Living Area
Basement Area868 sqft
Unfinished Basement868 sqft

Exterior

Year BuiltBuilt 1948
Effective Year BuiltEffective 1988
Architectural StyleCape Cod
Exterior MaterialWood Siding
Construction TypeConcrete
Roof TypeGable
Roof MaterialAsphalt
Lot Area21,780 sqft (0.5 acres)

Utilities, Heating & Cooling

Heating SystemHot Water
Heating FuelGas

Location & Zoning

Street Address56 PEARL ST
CityAYER
StateMA
Zip01432-1157
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeA2
Legal Lot Number38
JurisdictionAYER MA
Township / Civil DivisionAYER
Census Block Group5
Census Block5000
Census Tract325102

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address56 PEARL ST, AYER, MA 01432-1157
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 15, 2021Deed of Trust, Mortgage · Stand-Alone Refinance
WEBSTER FIVE CENTS SAVINGS BANK
Nov 16, 2021Quit Claim Deed, Transfer · Stand-Alone First Mortgage
LEADER BANK NA

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleNov 16, 2021 · Amount on Record
Deed SaleNov 16, 2021 · Amount on Record
Prior SaleMay 26, 1994 · Amount on Record
Deed Document Number2021249771
Deed Book / Page79152 / 74
Record UpdatedOct 29, 2026

July 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionAYER MA
Property Address56 PEARL ST, AYER, MA 01432-1157
Transaction TypeMortgage
Record UpdatedMay 10, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number078248-337
DateJul 15, 2021
Book Page78248/337
Instrument159309
Lender
NameWEBSTER FIVE CENTS SAVINGS BANK
TypeBank
Agreement
TypeStand-Alone Refinance
AmountAmount Recorded
Term301 Months
DueAug 1, 2046

November 2021: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionAYER MA
Recording DateNov 16, 2021
Property Address56 PEARL ST, AYER, MA 01432-1157
Document Number0079152-74
Book / Page79152 / 74
Instrument DateNov 16, 2021
Instrument249771
Transaction TypeTransfer
Record UpdatedMay 10, 2022

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address56 PEARL ST, AYER, MA 01432-1157

Mortgage

Document Number0000249772
DateNov 16, 2021
Instrument249772
Lender
NameLEADER BANK NA
TypeBank
Agreement
TypeStand-Alone First Mortgage
AmountAmount Recorded

Tax Assessment & Valuation

Source: Middlesex County and Ayer Town assessment roll, as of April 14, 2026

Property Jurisdictions

TypeName
StateMassachusetts
CountyMiddlesex County
County SubdivisionAyer Town
Unified School DistrictAyer-Shirley School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$6,052.00 (+5.69%)$506,000 (+9.76%) Land $152,400 Building $353,600$599,640 (-2.67%)
2024$616,075
2023$5,726.00$461,000 Land $163,700 Building $297,300

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies4 in force
Nearby Flood Claims1 (2023)
Most Recent ClaimJul 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood0.01% annual chance
ExposureDirect
burnable vegetation

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 SystemAYER DPW WATER DIVISION
serves 8,479 people · EPA ID MA2019000
Water SourceGroundwater
Last State InspectionJun 2024
Lead1 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 299 locations within half a mile, as of December 31, 2025

ProviderMax 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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