60 Willard St, Ayer, MA 01432 Property Records

Middlesex County and Ayer Town property record for 60 Willard St, Ayer, MA 01432

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,536 sqft · built 1945
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Trust Names on Record
Last Sale	$235,000 (Aug 2016)
Tax Bill	$4,660 (2025)
Deeds & Mortgages	Oct 2023 Sale May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`AYER M:035 B:0000 L:0090`

Property Details

APN / Parcel Number

Primary APN	`AYER M:035 B:0000 L:0090`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,536 sqft Living Area
Gross Area	1,571 sqft
1st Floor Area	1,248 sqft
Basement Area	1,344 sqft
Unfinished Basement	544 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1988
Architectural Style	Raised Ranch
Exterior Material	Wood Siding
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	60 WILLARD ST
City	AYER
State	MA
Zip	01432-1724
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	GR
Legal Lot Number	90
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, 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 Record	2 Trust Names on Record
Mailing Address	60 WILLARD ST, AYER, MA 01432-1724
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Oct 26, 2023	Warranty Deed, Transfer
May 15, 2020	Deed of Trust, Mortgage · VA Mortgage FIDELITY COOPERATIVE BANK
Jul 29, 2020	Deed of Trust, Mortgage · Balloon Mortgage FIDELITY COOPERATIVE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 4, 2016 · Amount on Record
Deed Sale	Aug 4, 2016 · Amount on Record
Prior Sale	Jun 4, 2004 · Amount on Record
Deed Book / Page	67748 / 461
Transfer Doc	52828-58
Record Updated	Sep 20, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	AYER MA
Recording Date	Oct 26, 2023
Property Address	60 WILLARD ST, AYER, MA 01432-1724
Document Number	082138-215
Book / Page	82138 / 215
Instrument Date	Oct 25, 2023
Instrument	121763
Transaction Type	Transfer
Record Updated	Nov 10, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	60 WILLARD ST, AYER, MA 01432-1724

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AYER MA
Property Address	60 WILLARD ST, AYER, MA 01432-1724
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	74678-183
Date	May 15, 2020
Book Page	74678/183
Instrument	73367

Lender

Name	FIDELITY COOPERATIVE BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AYER MA
Property Address	60 WILLARD ST, AYER, MA 01432-1724
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	75233-565
Date	Jul 29, 2020
Book Page	75233/565
Instrument	124511

Lender

Name	FIDELITY COOPERATIVE BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Aug 1, 2040

Tax Assessment & Valuation

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	$4,660.00 (+14.38%)	$389,600 (+18.78%) Land $112,200 Building $277,400	$497,610 (+0.5%)
2024			$495,140
2023	$4,074.00	$328,000 Land $105,200 Building $222,800

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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 Risk	Low lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 224 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Spectrum.

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