Middlesex County and Ayer Town property record for 65 Shirley St, Ayer, MA 01432
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,120 sqft · built 1890 |
| Lot Size | 0.16 acres (6,970 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $198,000 (Oct 2017) |
| Tax Bill | $3,801 (2025) |
| Deeds & Mortgages | Aug 2026 Line of Credit Dec 2021 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | AYER M:025 B:0000 L:0019 |
| Primary APN | AYER M:025 B:0000 L:0019 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,120 sqft Living Area |
| Basement Area | 364 sqft |
| Unfinished Basement | 364 sqft |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Stone |
| Roof Type | Gable |
| Roof Material | Asbestos |
| Lot Area | 6,970 sqft (0.16 acres) |
| Garage Type | Detached |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Street Address | 65 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 | 19 |
| Jurisdiction | AYER MA |
| Township / Civil Division | AYER |
| Census Block Group | 5 |
| Census Block | 5019 |
| Census Tract | 325102 |
65 Shirley St is owned and occupied by two individuals who bought it in October 2017.
Source: Middlesex County and Ayer Town records, as of September 15, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 65 SHIRLEY ST, AYER, MA 01432-1218 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Aug 24, 2026 | Deed of Trust, Mortgage · Line of Credit |
| Dec 28, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance LOANDEPOT.COM LLC |
| Oct 18, 2017 | Quit Claim Deed, Transfer · Conventional with PMI RESIDENTIAL MTG SVC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 18, 2017 · Amount on File |
| Deed Sale | Oct 18, 2017 · Amount on File |
| Prior Sale | Aug 3, 2006 · Amount on File |
| Deed Document Number | 20171773033 |
| Transfer Doc | 0001773033 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AYER MA |
| Recording Date | Aug 24, 2026 |
| Property Address | 65 SHIRLEY ST, AYER, MA 01432-1218 |
| Document Number | 0002006803 |
| Instrument Date | Aug 10, 2026 |
| Instrument | 20262006803 |
| Transaction Type | Mortgage |
| Record Updated | Sep 15, 2026 |
| Name | Verified Name |
|---|---|
| Address | 65 SHIRLEY ST, AYER, MA 01432-1218 |
| Investor | Possibly a Property Investor |
| Document Number | 0002006803, |
|---|---|
| Date | Aug 24, 2026 |
| Instrument | 20262006803 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Sep 1, 2046 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AYER MA |
| Property Address | 65 SHIRLEY ST, AYER, MA 01432-1218 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0001903055 |
|---|---|
| Date | Dec 28, 2021 |
| Instrument | 1903055 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | AYER MA |
| Recording Date | Oct 18, 2017 |
| Property Address | 65 SHIRLEY ST, AYER, MA 01432-1218 |
| Document Number | 0000073033 |
| Instrument Date | Oct 2, 2017 |
| Instrument | 73033 |
| Transaction Type | Transfer |
| Record Updated | Nov 7, 2017 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $902.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 65 SHIRLEY ST AYER MA 014321218, AYER, MA 01432-1218 |
| Document Number | 73034 |
|---|---|
| Date | Oct 18, 2017 |
| Instrument | 73034 |
| Name | RESIDENTIAL MTG SVC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 17, 2047 |
The 2025 property tax bill for 65 Shirley St was $3,801.
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 | $3,801.00 | $317,800 Land $108,400 Building $209,400 | $337,535 (+4.56%) |
| 2024 | $322,810 | ||
| 2023 | $3,306.00 | $266,200 Land $101,900 Building $164,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 65 Shirley St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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.
Wildfire risk around 65 Shirley 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 | 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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