Middlesex County and Ayer Town property record for 6 Gardner Ln, Ayer, MA 01432 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,690 sqft · built 1992 |
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | Individual Name on File |
| Last Sale | $315,000 (Apr 2015) |
| Tax Bill | $5,845 (2025) |
| Deeds & Mortgages | Aug 2021 Refinance Aug 2021 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | AYER M:012 B:0000 L:0131 |
| Primary APN | AYER M:012 B:0000 L:0131 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,690 sqft Living Area |
| Gross Area | 4,406 sqft |
| 1st Floor Area | 714 sqft |
| Basement Area | 696 sqft |
| Unfinished Basement | 348 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 12,197 sqft (0.28 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Street Address | 6 GARDNER LN |
|---|---|
| City | AYER |
| State | MA |
| Zip | 01432-1059 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Lot Number | 131 |
| Jurisdiction | AYER MA |
| Township / Civil Division | AYER |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 325102 |
Source: Middlesex County and Ayer Town records · APN AYER M:012 B:0000 L:0131
Assessment roll updated April 14, 2026 · Last verified July 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 | 6 GARDNER LN, AYER, MA 01432-1059 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 27, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance JEANNE D ARC CU |
| Aug 27, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance JEANNE D ARC CU |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 09, 2015 · Amount on Record |
| Deed Sale | Apr 09, 2015 · Amount on Record |
| Prior Sale | Sep 15, 2004 · Amount on Record |
| Deed Book / Page | 65192 / 366 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AYER MA |
| Property Address | 6 GARDNER LN, AYER, MA 01432-1059 |
| Transaction Type | Mortgage |
| Record Updated | Apr 02, 2026 |
| Name | Verified Name |
|---|
| Document Number | 00078566-1 |
|---|---|
| Date | Aug 27, 2021 |
| Book Page | 78566/1 |
| Instrument | 192130 |
| Name | JEANNE D ARC CU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AYER MA |
| Property Address | 6 GARDNER LN, AYER, MA 01432-1059 |
| Transaction Type | Mortgage |
| Record Updated | Sep 10, 2021 |
| Name | Verified Name |
|---|
| Document Number | 78566-1 |
|---|---|
| Date | Aug 27, 2021 |
| Book Page | 78566/1 |
| Instrument | 192130 |
| Name | JEANNE D ARC CU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2051 |
Source: Middlesex County and Ayer Town records · Assessment roll updated April 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Ayer Town |
| Unified School District | Ayer-Shirley School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,845.00 (+6.74%) | $488,700 (+10.84%) Land $142,100 Building $346,600 | $559,835 (+2.03%) |
| 2024 | $548,720 | ||
| 2023 | $5,476.00 | $440,900 Land $152,300 Building $288,600 |
Source: FEMA National Flood Hazard Layer, Middlesex County (25017C), updated September 10, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250173251022, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 10 individual NFIP policies nearby |
| Nearby Flood Policies | 10 in force |
| Wildfire Risk | Low above 20% of the US · above 58% of Massachusetts |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Indirect within ember reach |
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.
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