Middlesex County and Ayer Town property record for 64 Pearl St, Ayer, MA 01432
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,196 sqft · built 1962 |
| Lot Size | 0.459 acres (19,998 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $321,500 (Jun 2018) |
| Tax Bill | $4,773 (2025) |
| Deeds & Mortgages | Apr 2020 Refinance Jul 2019 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | AYER M:019 B:0000 L:0034 |
| Primary APN | AYER M:019 B:0000 L:0034 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,196 sqft Living Area |
| Basement Area | 1,196 sqft |
| Unfinished Basement | 351 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 19,998 sqft (0.459 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 64 PEARL ST |
|---|---|
| City | AYER |
| State | MA |
| Zip | 01432-1157 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A2 |
| Legal Lot Number | 34 |
| Jurisdiction | AYER MA |
| Township / Civil Division | AYER |
| Census Block Group | 5 |
| Census Block | 5000 |
| Census Tract | 325102 |
64 Pearl St is owned and occupied by two individuals who bought it in June 2018.
Source: Middlesex County and Ayer Town records, as of July 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 64 PEARL ST, AYER, MA 01432-1157 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 15, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance CROSSCOUNTRY MORTGAGE INC |
| Jul 24, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance RESIDENTIAL MORTGAGE SERVICES |
| Jun 27, 2018 | Quit Claim Deed, Transfer RESIDENTIAL MTG SVCS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 27, 2018 · Amount on File |
| Deed Sale | Jun 27, 2018 · Amount on File |
| Prior Sale | Apr 6, 2005 · Amount on File |
| Deed Book / Page | 71225 / 253 |
| Transfer Doc | 071225-253 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AYER MA |
| Property Address | 64 PEARL ST, AYER, MA 01432-1157 |
| Transaction Type | Mortgage |
| Record Updated | May 10, 2022 |
| Name | Verified Name |
|---|
| Document Number | 074475-373 |
|---|---|
| Date | Apr 15, 2020 |
| Book Page | 74475/373 |
| Instrument | 55794 |
| Name | CROSSCOUNTRY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AYER MA |
| Property Address | 64 PEARL ST, AYER, MA 01432-1157 |
| Transaction Type | Mortgage |
| Record Updated | May 10, 2022 |
| Name | Verified Name |
|---|
| Document Number | 072982-479 |
|---|---|
| Date | Jul 24, 2019 |
| Book Page | 72982/479 |
| Instrument | 106558 |
| Name | RESIDENTIAL MORTGAGE SERVICES |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2049 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | AYER MA |
| Recording Date | Jun 27, 2018 |
| Property Address | 64 PEARL ST, AYER, MA 01432-1157 |
| Document Number | 071225-253 |
| Book / Page | 71225 / 253 |
| Instrument | 93826 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $35.54 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 64 PEARL ST, AYER, MA 01432-1157 |
| Document Number | 0712250257 |
|---|---|
| Date | Jun 27, 2018 |
| Instrument | 71225/0257 |
| Name | RESIDENTIAL MTG SVCS |
|---|
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jun 27, 2048 |
The 2025 property tax bill for 64 Pearl St was $4,773.
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 | $4,773.00 | $399,100 Land $150,900 Building $248,200 | $448,970 (-1.17%) |
| 2024 | $454,290 | ||
| 2023 | $4,506.00 | $362,800 Land $162,500 Building $200,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 64 Pearl St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2023.
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 | 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 risk around 64 Pearl 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 | Direct burnable vegetation |
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 299 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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