74 Willard St, Ayer, MA 01432 Property Records

Middlesex County and Ayer Town property record for 74 Willard St, Ayer, MA 01432

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,344 sqft · built 1945
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$122,000 (Mar 2000)
Tax Bill	$3,458 (2025)
Deeds & Mortgages	Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`AYER M:035 B:0000 L:0111`

Property Details

APN / Parcel Number

Primary APN	`AYER M:035 B:0000 L:0111`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,344 sqft Living Area
Gross Area	87,312 sqft
Basement Area	1,634 sqft
Unfinished Basement	1,634 sqft

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1988
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	74 WILLARD ST
City	AYER
State	MA
Zip	01432-1726
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	GR
Legal Lot Number	111
Jurisdiction	AYER MA
Township / Civil Division	AYER
Census Block Group	1
Census Block	1009
Census Tract	325101

Owner

Source: Middlesex County and Ayer Town records · APN AYER M:035 B:0000 L:0111

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	74 WILLARD ST, AYER, MA 01432-1726
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 31, 2000 · Amount on Record
Deed Sale	Mar 31, 2000 · Amount on Record
Record Updated	Sep 20, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AYER MA
Property Address	74 WILLARD ST, AYER, MA 01432-1726
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	75992-351
Date	Oct 27, 2020
Book Page	75992/351
Instrument	196841

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	313 Months
Due	Nov 01, 2046

Tax Assessment & Valuation

Source: Middlesex County and Ayer Town records · Assessment roll updated April 14, 2026 · Last verified July 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

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	$3,458.00 (+12.05%)	$289,100 (+16.34%) Land $111,700 Building $177,400	$473,955 (-1.71%)
2024			$482,220
2023	$3,086.00	$248,500 Land $105,200 Building $143,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Middlesex County (25017C), as of September 10, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250173251011, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

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

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

May also be available: Spectrum.

Based on FCC filings for 224 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system MA2019000, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	AYER DPW WATER DIVISION serves 8,479 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.