Middlesex County and Ayer Town property record for 89 Hemlock Dr, Ayer, MA 01432
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,326 sqft · built 2013 |
| Lot Size | 1.48 acres (64,469 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $344,373 (Jun 2014) |
| Tax Bill | $7,267 (2025) |
| Deeds & Mortgages | Jan 2021 Refinance Feb 2022 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | AYER M:036 B:0000 L:0107 |
| Primary APN | AYER M:036 B:0000 L:0107 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,326 sqft Living Area |
| Basement Area | 1,288 sqft |
| Unfinished Basement | 788 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2013 |
|---|---|
| Effective Year Built | Effective 2013 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 64,469 sqft (1.48 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 89 HEMLOCK DR |
|---|---|
| City | AYER |
| State | MA |
| Zip | 01432-5539 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A1 |
| Legal Lot Number | 107 |
| Jurisdiction | AYER MA |
| Township / Civil Division | AYER |
| Census Block Group | 2 |
| Census Block | 2034 |
| Census Tract | 325101 |
Source: Middlesex County and Ayer Town records, as of July 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 89 HEMLOCK DR, AYER, MA 01432-5539 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Family Trust |
| Date | Document |
|---|---|
| Jan 26, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance CROSSCOUNTRY MORTGAGE INC |
| Feb 9, 2022 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK OF RHODE ISLAND |
| Mar 19, 2024 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 27, 2014 · Amount on Record |
| Deed Sale | Jun 27, 2014 · Amount on Record |
| Deed Book / Page | 63830 / 337 |
| Last Transfer Date | Jan 25, 2024 |
| Transfer Doc | 082579-295 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AYER MA |
| Property Address | 89 HEMLOCK DR, AYER, MA 01432-5539 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|
| Document Number | 076783-519 |
|---|---|
| Date | Jan 26, 2021 |
| Book Page | 76783/519 |
| Instrument | 17637 |
| Name | CROSSCOUNTRY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Feb 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AYER MA |
| Property Address | 89 HEMLOCK DR, AYER, MA 01432-5539 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|
| Document Number | 079662-339 |
|---|---|
| Date | Feb 9, 2022 |
| Book Page | 79662/339 |
| Instrument | 21623 |
| Name | CITIZENS BANK OF RHODE ISLAND |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Mar 1, 2047 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | AYER MA |
| Recording Date | Mar 19, 2024 |
| Property Address | 89 HEMLOCK DR, AYER, MA 01432-5539 |
| Document Number | 082579-295 |
| Book / Page | 82579 / 295 |
| Instrument Date | Jan 25, 2024 |
| Instrument | 26794 |
| Transaction Type | Transfer |
| Record Updated | Apr 5, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 89 HEMLOCK DR, AYER, MA 01432-5539 |
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 | $7,267.00 (+10.29%) | $607,600 (+14.53%) Land $218,000 Building $389,600 | $631,940 (+5.87%) |
| 2024 | $596,885 | ||
| 2023 | $6,589.00 | $530,500 Land $218,000 Building $312,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 8 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.
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.
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 61 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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