81 Willard St, #83, Ayer, MA 01432 Property Records

Middlesex County and Ayer Town property record for 81 Willard St, #83, Ayer, MA 01432

Property Summary

Property Type	Duplex
Details	5 bd · 3 ba · 1,872 sqft · built 1940
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on File
Last Sale	$482,000 (Sep 2022)
Tax Bill	$5,592 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Dec 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`AYER M:035 B:0000 L:0072`

Property Details

APN / Parcel Number

Primary APN	`AYER M:035 B:0000 L:0072`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	10 Rooms
Units	2 Units
Stories	1 Story
Building Area	1,872 sqft Living Area
Basement Area	1,632 sqft
Unfinished Basement	816 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1988
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,019 sqft (0.23 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	81 WILLARD ST, 83
City	AYER
State	MA
Zip	01432-1725
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	GR
Legal Lot Number	72
Jurisdiction	AYER MA
Township / Civil Division	AYER
Census Block Group	1
Census Block	1008
Census Tract	325101

Owner

81 Willard St, #83 is owned by an individual who bought it in September 2022.

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

Owner of Record	Individual Name on File
Mailing Address	81 WILLARD ST, 83, AYER, MA 01432-1725
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
Sep 29, 2022	Quit Claim Deed, Transfer · FHA Mortgage NEW FED MORTGAGE CORP
Dec 10, 2019	Quit Claim Deed, Transfer · FHA Mortgage GUARANTEED RATE INC
Jan 5, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 29, 2022 · Amount on File
Deed Sale	Sep 29, 2022 · Amount on File
Prior Sale	Dec 10, 2019 · Amount on File
Deed Document Number	2022147159
Deed Book / Page	80769 / 579
Record Updated	Oct 29, 2026

September 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	AYER MA
Recording Date	Sep 29, 2022
Property Address	81-83 WILLARD ST, AYER, MA 01432
Document Number	080769-579
Book / Page	80769 / 579
Instrument Date	Sep 29, 2022
Instrument	147159
Transaction Type	Transfer
Record Updated	Oct 14, 2022

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	81 WILLARD ST # 83, 83, AYER, MA 01432-1725

Mortgage

Document Number	0000147160
Date	Sep 29, 2022
Instrument	147160

Lender

Name	NEW FED MORTGAGE CORP

Agreement

Type	FHA Mortgage
Amount	Amount on Record

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	AYER MA
Recording Date	Dec 10, 2019
Property Address	81-83 WILLARD ST, AYER, MA 01432
Document Number	073798-488
Book / Page	73798 / 488
Instrument Date	Dec 10, 2019
Instrument	195071
Transaction Type	Transfer
Record Updated	Mar 28, 2022

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	81 WILLARD ST # 83, 83, AYER, MA 01432-1725

Mortgage

Document Number	0000195072
Date	Dec 10, 2019
Instrument	195072

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount on Record

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	AYER MA
Recording Date	Jan 5, 2017
Property Address	81-83 WILLARD ST, AYER, MA 01432
Document Number	68715-539
Book / Page	068715 / 000539
Instrument	2430
Transaction Type	Transfer
Record Updated	Jan 24, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	83 WILLARD ST AYER MA 014321725, AYER, MA 01432-1725

Tax Assessment & Valuation

The 2025 property tax bill for 81 Willard St, #83 was $5,592.

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	$5,592.00	$467,600 Land $114,400 Building $353,200	$515,733
2023	$4,079.00	$328,400 Land $107,400 Building $221,000

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

Flood

FEMA maps place 81 Willard St, #83 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 81 Willard St, #83 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	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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