Middlesex County and Ayer Town property record for 57 Shirley St, Ayer, MA 01432
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 876 sqft · built 1860 |
| Lot Size | 0.08 acres (3,485 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $215,000 (Aug 2020) |
| Tax Bill | $3,419 (2025) |
| Deeds & Mortgages | Jul 2026 Second Mortgage Jul 2026 Sale & Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | AYER M:025 B:0000 L:0021 |
| Primary APN | AYER M:025 B:0000 L:0021 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 876 sqft Living Area |
| Basement Area | 240 sqft |
| Unfinished Basement | 240 sqft |
| Year Built | Built 1860 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 3,485 sqft (0.08 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 57 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 | 21 |
| Jurisdiction | AYER MA |
| Township / Civil Division | AYER |
| Census Block Group | 5 |
| Census Block | 5017 |
| Census Tract | 325102 |
Source: Middlesex County and Ayer Town records, as of July 22, 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 Record |
|---|---|
| Mailing Address | 57 SHIRLEY ST, AYER, MA 01432-1218 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 14, 2026 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage GUILD MORTGAGE COMPANY |
| Jul 14, 2026 | Quit Claim Deed, Transfer · FHA Mortgage GUILD MORTGAGE COMPANY |
| Feb 23, 2023 | Deed of Trust, Mortgage · Stand-Alone Refinance MAIN STREET BANK (MA) |
| Aug 18, 2020 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage EASTERN BANK |
| Jan 10, 2019 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage CROSSCOUNTRY MORTGAGE INC |
| Apr 10, 2017 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 18, 2020 · Amount on Record |
| Deed Sale | Aug 18, 2020 · Amount on Record |
| Prior Sale | Jan 10, 2019 · Amount on Record |
| Deed Book / Page | 75388 / 521 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AYER MA |
| Recording Date | Jul 14, 2026 |
| Property Address | 57 SHIRLEY ST, AYER, MA 01432-1218 |
| Document Number | 0000086390 |
| Book / Page | 85872 / 23 |
| Instrument Date | Jul 14, 2026 |
| Instrument | 202686390 |
| Transaction Type | Mortgage |
| Record Updated | Aug 5, 2026 |
| Name | Verified Name |
|---|---|
| Address | 57 SHIRLEY ST, AYER, MA 01432-1218 |
| Document Number | 0000086390, |
|---|---|
| Date | Jul 14, 2026 |
| Book Page | 85872/23 |
| Instrument | 202686390 |
| Name | GUILD MORTGAGE COMPANY |
|---|
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Aug 1, 2036 |
| Rate | 6.47% |
|---|---|
| Max Rate | -1% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | AYER MA |
| Recording Date | Jul 14, 2026 |
| Property Address | 57 SHIRLEY ST, AYER, MA 01432-1218 |
| Document Number | 0000086388 |
| Book / Page | 85871 / 586 |
| Instrument Date | Jul 10, 2026 |
| Instrument | 202686388 |
| Transaction Type | Transfer |
| Record Updated | Aug 5, 2026 |
| 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 | Tenants by the Entirety |
| Address | 57 SHIRLEY ST, AYER, MA 01432-1218 |
| Date | Jul 14, 2026 |
|---|
| Name | GUILD MORTGAGE COMPANY |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate | 6.53% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AYER MA |
| Property Address | 57 SHIRLEY ST, AYER, MA 01432-1218 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|
| Document Number | 081270-203 |
|---|---|
| Date | Feb 23, 2023 |
| Book Page | 81270/203 |
| Instrument | 18429 |
| Name | MAIN STREET BANK (MA) |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Mar 1, 2043 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | AYER MA |
| Recording Date | Aug 18, 2020 |
| Property Address | 57 SHIRLEY ST, AYER, MA 01432-1218 |
| Document Number | 75388-521 |
| Book / Page | 75388 / 521 |
| Instrument Date | Aug 14, 2020 |
| Instrument | 140081 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| 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 |
|---|---|
| Address | 57 SHIRLEY ST, AYER, MA 01432-1218 |
| Document Number | 140082 |
|---|---|
| Date | Aug 18, 2020 |
| Instrument | 140082 |
| Name | EASTERN BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | AYER MA |
| Recording Date | Jan 10, 2019 |
| Property Address | 57 SHIRLEY ST, AYER, MA 01432-1218 |
| Document Number | 72111-579 |
| Book / Page | 72111 / 579 |
| Instrument Date | Jan 4, 2019 |
| Instrument | 4010 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| 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 |
|---|---|
| Address | 57 SHIRLEY ST, AYER, MA 01432-1218 |
| Document Number | 4011 |
|---|---|
| Date | Jan 10, 2019 |
| Instrument | 4011 |
| Name | CROSSCOUNTRY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AYER MA |
| Property Address | 57 SHIRLEY ST, AYER, MA 01432-1218 |
| Document Number | 69202-398 |
| Book / Page | 069202 / 000398 |
| Instrument Date | Apr 10, 2017 |
| Transaction Type | Mortgage |
| Record Updated | May 16, 2017 |
| Name | Verified Name |
|---|
| Document Number | 69202-398 |
|---|---|
| Date | Apr 28, 2017 |
| Book Page | 069202/000398 |
| Instrument | 61905 |
| Name | HUD-HOUSING/URBAN DEV |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 27, 2047 |
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 | $3,419.00 (+15.23%) | $285,900 (+19.67%) Land $100,400 Building $185,500 | $347,700 (+19.22%) |
| 2024 | $291,650 | ||
| 2023 | $2,967.00 | $238,900 Land $94,300 Building $144,600 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 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.
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.
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 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 |
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