85 Willard St, #95, Ayer, MA 01432 Property Records

Middlesex County and Ayer Town property record for 85 Willard St, #95, Ayer, MA 01432

Property Summary

Property Type	Apartments (5+ Units)
Details	5 bd · 1.5 ba · 4,776 sqft · built 1945
Lot Size	0.35 acres (15,246 sqft)
Owner	Company Name on File
Last Sale	$342,000 (Oct 2002)
Tax Bill	$7,928 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`AYER M:035 B:0000 L:0073`

Property Details

APN / Parcel Number

Primary APN	`AYER M:035 B:0000 L:0073`

Interior

Bedrooms	5 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	24 Rooms
Stories	2 Stories
Building Area	4,776 sqft Living Area
Gross Area	5,589 sqft
1st Floor Area	755 sqft
Basement Area	1,628 sqft
Unfinished Basement	1,794 sqft

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1988
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Steel Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,246 sqft (0.35 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	85 WILLARD ST, 95
City	AYER
State	MA
Zip	01432-1725
Property Category	Residential
Property Type	Residential > Multi-Unit > Apartments (5+ Units)
Local Zoning Code	GR
Legal Lot Number	73
Jurisdiction	AYER MA
Township / Civil Division	AYER
Census Block Group	1
Census Block	1008
Census Tract	325101

Owner

Source: Middlesex County and Ayer Town records · APN AYER M:035 B:0000 L:0073

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	Company Name on File
Mailing Address	PO BOX 812082, WELLESLEY, MA 02482-0013
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 24, 2002 · Amount on Record
Deed Sale	Oct 24, 2002 · Amount on Record
Record Updated	Sep 20, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AYER MA
Property Address	85 WILLARD ST # 95, 95, AYER, MA 01432-1725
Transaction Type	Mortgage
Record Updated	Sep 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	080641-104
Date	Aug 29, 2022
Book Page	80641/104
Instrument	131921

Lender

Name	NORTHMARK BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	61 Months
Due	Sep 01, 2027

Interest

Rate Type	Adjustable Rate

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 is set for property tax purposes and is not a market price estimate.

Year	Tax Bill	Assessed Value
2025	$7,928.00 (+16.3%)	$662,900 (+20.77%) Land $120,200 Building $542,700
2023	$6,817.00	$548,900 Land $113,300 Building $435,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 10, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · 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 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.