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9 Gardner Ln, Ayer, MA 01432 Property Records

Middlesex County and Ayer Town property record for 9 Gardner Ln, Ayer, MA 01432 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 1,536 sqft · built 1992
Lot Size0.28 acres (12,197 sqft)
Owner2 Individual Names on File
Last Sale$360,000 (May 2018)
Tax Bill$5,545 (2025)
Deeds & MortgagesJun 2020 Refinance
May 2018 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APNAYER M:012 B:0000 L:0141

Property Details

APN / Parcel Number

Primary APNAYER M:012 B:0000 L:0141

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms8 Rooms
Stories2 Stories
Building Area1,536 sqft Living Area
Gross Area2,912 sqft
Basement Area768 sqft
Unfinished Basement368 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1992
Effective Year BuiltEffective 2002
Architectural StyleColonial
Exterior MaterialAluminum/Vinyl
Construction TypeConcrete
Roof TypeGambrel
Roof MaterialAsphalt
Lot Area12,197 sqft (0.28 acres)

Utilities, Heating & Cooling

Heating SystemHot Water
Heating FuelOil

Location & Zoning

Street Address9 GARDNER LN
CityAYER
StateMA
Zip01432-1059
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Lot Number141
JurisdictionAYER MA
Township / Civil DivisionAYER
Census Block Group2
Census Block2015
Census Tract325102

Owner

Source: Middlesex County and Ayer Town records · APN AYER M:012 B:0000 L:0141

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 Record2 Individual Names on File
Mailing Address9 GARDNER LN, AYER, MA 01432-1059
OccupancyOwner Occupied
Owner TypeIndividual
VestingTenants by the Entirety

Deeds, Mortgages & Sale History

DateDocument
Jun 03, 2020Deed of Trust, Mortgage · Stand-Alone Refinance
BAYCOAST MORTGAGE COMPANY
May 18, 2018Quit Claim Deed, Transfer · Conventional with PMI
CITIZENS BK/RI

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMay 18, 2018 · Amount on Record
Deed SaleMay 18, 2018 · Amount on Record
Prior SaleAug 22, 2007 · Amount on Record
Deed Book / Page71026 / 368
Record UpdatedSep 20, 2026

June 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionAYER MA
Property Address9 GARDNER LN, AYER, MA 01432-1059
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number74810-313
DateJun 03, 2020
Book Page74810/313
Instrument85006
Lender
NameBAYCOAST MORTGAGE COMPANY
Agreement
TypeStand-Alone Refinance
AmountAmount Recorded
Term241 Months
DueJul 01, 2040

May 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionAYER MA
Recording DateMay 18, 2018
Property Address9 GARDNER LN, AYER, MA 01432-1059
Document Number71026-368
Book / Page071026 / 000368
Instrument DateApr 30, 2018
Instrument69920
Transaction TypeTransfer
Record UpdatedAug 08, 2018

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,641.60
Amount AccuracyConfirmed
Additional
  • Quitclaim
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address9 GARDNER LN AYER MA 014321059, AYER, MA 01432-1059

Mortgage

Document Number71026-372
DateMay 18, 2018
Book Page071026/000372
Instrument69921
Lender
NameCITIZENS BK/RI
TypeBank
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueMay 17, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateMassachusetts
CountyMiddlesex County
County SubdivisionAyer Town
Unified School DistrictAyer-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.

YearTax BillAssessed ValueAssessed Market Value
2025$5,545.00 (+6.35%)$463,600 (+10.43%) Land $142,100 Building $321,500$531,620 (+2.21%)
2024$520,125
2023$5,214.00$419,800 Land $152,300 Building $267,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Middlesex County (25017C), updated September 10, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250173251022, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 10 individual NFIP policies nearby
Nearby Flood Policies10 in force

Wildfire

Wildfire RiskLow
above 20% of the US · above 58% of Massachusetts
Wildfire LikelihoodAbout 1 in 10,000 per year
ExposureIndirect
within ember reach

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, availability as of December 31, 2025 · Published October 2026 · based on 206 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
XfinityCable2,000 / 2,000
VerizonFixed Wireless300 / 20
T-Mobile USAFixed Wireless100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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