8 McDowell St, Ayer, MA 01432 Property Records

Middlesex County and Ayer Town property record for 8 McDowell St, Ayer, MA 01432

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,195 sqft · built 1949
Lot Size	1.01 acres (43,996 sqft)
Owner	Individual Name on File
Last Sale	$503,000 (Mar 2022)
Tax Bill	$7,189 (2025)
Deeds & Mortgages	Mar 2022 Sale & Mortgage Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`AYER M:028 B:0000 L:0101`

Property Details

APN / Parcel Number

Primary APN	`AYER M:028 B:0000 L:0101`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,195 sqft Living Area
Basement Area	1,650 sqft
Unfinished Basement	682 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1988
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	43,996 sqft (1.01 acres)
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	8 MCDOWELL ST
City	AYER
State	MA
Zip	01432-1419
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A2
Legal Lot Number	101
Jurisdiction	AYER MA
Township / Civil Division	AYER
Census Block Group	1
Census Block	1002
Census Tract	325101

Owner

8 McDowell St is owned and occupied by an individual who bought it in March 2022.

Source: Middlesex County and Ayer Town records, as of July 20, 2026

Owner of Record	Individual Name on File
Mailing Address	8 MCDOWELL ST, AYER, MA 01432-1419
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.

Deeds, Mortgages & Sale History

Date	Document
Mar 2, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage HANSCOM FCU
Oct 9, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage KELLER MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 2, 2022 · Amount on File
Deed Sale	Mar 2, 2022 · Amount on File
Prior Sale	Oct 9, 2020 · Amount on File
Deed Book / Page	79765 / 353
Record Updated	Oct 29, 2026

March 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	AYER MA
Recording Date	Mar 2, 2022
Property Address	8 MCDOWELL ST, AYER, MA 01432-1419
Document Number	079765-353
Book / Page	79765 / 353
Instrument Date	Mar 2, 2022
Instrument	32641
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8 MCDOWELL ST, AYER, MA 01432-1419

Mortgage

Document Number	0000032642
Date	Mar 2, 2022
Instrument	32642

Lender

Name	HANSCOM FCU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	AYER MA
Recording Date	Oct 9, 2020
Property Address	8 MCDOWELL ST, AYER, MA 01432-1419
Document Number	75851-248
Book / Page	75851 / 248
Instrument Date	Sep 29, 2020
Instrument	183415
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8 MCDOWELL ST, AYER, MA 01432-1419

Mortgage

Document Number	183416
Date	Oct 9, 2020
Instrument	183416

Lender

Name	KELLER MORTGAGE LLC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 8 McDowell St was $7,189.

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	$7,189.00	$601,100 Land $177,300 Building $423,800	$564,965 (-2.59%)
2024			$579,975
2023	$6,314.00	$508,400 Land $177,300 Building $331,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 8 McDowell St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 8 McDowell 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.

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 110 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

Cell Coverage

5G (outdoors only) and 4G LTE

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