Middlesex County and Ayer Town property record for 9 Shirley St, Ayer, MA 01432
| Property Type | Duplex |
|---|---|
| Details | 5 bd · 2 ba · 1,318 sqft · built 1920 |
| Lot Size | 0.14 acres (6,098 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $165,000 (Mar 2008) |
| Tax Bill | $3,160 (2025) |
| Deeds & Mortgages | Jun 2023 Refinance Apr 2020 Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | AYER M:026 B:0000 L:0077 |
| Primary APN | AYER M:026 B:0000 L:0077 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 9 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 1,318 sqft Living Area |
| Basement Area | 982 sqft |
| Unfinished Basement | 982 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Conventional |
| Exterior Material | Other |
| Construction Type | Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 6,098 sqft (0.14 acres) |
| Heating System | Radiant |
|---|---|
| Heating Fuel | Electric |
| Street Address | 9 SHIRLEY ST |
|---|---|
| City | AYER |
| State | MA |
| Zip | 01432-1207 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | DB |
| Legal Lot Number | 77 |
| Jurisdiction | AYER MA |
| Township / Civil Division | AYER |
| Census Block Group | 5 |
| Census Block | 5015 |
| Census Tract | 325102 |
Source: Middlesex County and Ayer Town records, as of October 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 8 MOUNTAIN LAKES TRL, GROTON, MA 01450-1916 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 16, 2023 | Deed of Trust, Mortgage · Stand-Alone Refinance ENTERPRISE BANK & TRUST CO |
| Apr 1, 2020 | Deed of Trust, Mortgage · Balloon Mortgage FIDELITY COOPERATIVE BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 3, 2008 · Amount on Record |
| Deed Sale | Mar 3, 2008 · Amount on Record |
| Prior Sale | Dec 21, 2007 · Amount on Record |
| Deed Document Number | 200832516 |
| Deed Book / Page | 50811 / 441 |
| Transfer Doc | 50497-542 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AYER MA |
| Property Address | 9 SHIRLEY ST, AYER, MA 01432-1207 |
| Transaction Type | Mortgage |
| Record Updated | Jul 3, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0081668-98 |
|---|---|
| Date | Jun 16, 2023 |
| Book Page | 81668/98 |
| Instrument | 65310 |
| Name | ENTERPRISE BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AYER MA |
| Property Address | 9 SHIRLEY ST, AYER, MA 01432-1207 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 74394-273 |
|---|---|
| Date | Apr 1, 2020 |
| Book Page | 74394/273 |
| Instrument | 48558 |
| Name | FIDELITY COOPERATIVE BANK |
|---|---|
| Type | Bank |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | May 1, 2040 |
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 | $3,160.00 (+18.44%) | $264,200 (+23%) Land $107,300 Building $156,900 | $418,319 |
| 2023 | $2,668.00 | $214,800 Land $100,800 Building $114,000 |
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 1 (2023) |
| Most Recent Claim | Jul 2023 · tidal / storm surge |
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 | None beyond ember reach |
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 92 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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