92 W Main St, Ayer, MA 01432 Property Records

Middlesex County and Ayer Town property record for 92 W Main St, Ayer, MA 01432

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,362 sqft · built 1886
Lot Size	0.14 acres (6,098 sqft)
Owner	Individual Name on Record
Last Sale	$332,000 (Oct 2020)
Tax Bill	$5,200 (2025)
Deeds & Mortgages	Oct 2021 Refinance Mar 2019 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`AYER M:026 B:0000 L:0061`

Property Details

APN / Parcel Number

Primary APN	`AYER M:026 B:0000 L:0061`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,362 sqft Living Area
Basement Area	913 sqft
Unfinished Basement	913 sqft

Exterior

Year Built	Built 1886
Effective Year Built	Effective 1988
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,098 sqft (0.14 acres)
Garage Type	Detached

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	92 W MAIN ST
City	AYER
State	MA
Zip	01432-1212
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	GR
Legal Lot Number	61
Jurisdiction	AYER MA
Township / Civil Division	AYER
Census Block Group	5
Census Block	5016
Census Tract	325102

Owner

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	Individual Name on Record
Mailing Address	92 W MAIN ST, AYER, MA 01432-1212
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 12, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance JEANNE D ARC CU
Mar 12, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance I-C FCU
Oct 16, 2020	Quit Claim Deed, Transfer · FHA Mortgage SEMPER HOME LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 16, 2020 · Amount on Record
Deed Sale	Oct 16, 2020 · Amount on Record
Prior Sale	Sep 21, 2017 · Amount on Record
Deed Book / Page	75906 / 326
Prior Transfer Date	Aug 25, 2020
Prior Transfer Doc	075906-326
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AYER MA
Property Address	92 W MAIN ST, AYER, MA 01432-1212
Transaction Type	Mortgage
Record Updated	Jan 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	078884-321
Date	Oct 12, 2021
Book Page	78884/321
Instrument	223375

Lender

Name	JEANNE D ARC CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	121 Months
Due	Nov 1, 2031

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AYER MA
Property Address	92 W MAIN ST, AYER, MA 01432-1212
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	72319-170
Date	Mar 12, 2019
Book Page	72319/170
Instrument	29803

Lender

Name	I-C FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	121 Months
Due	Apr 1, 2029

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	AYER MA
Recording Date	Oct 16, 2020
Property Address	92 W MAIN ST, AYER, MA 01432-1212
Document Number	75906-326
Book / Page	75906 / 326
Instrument Date	Aug 25, 2020
Instrument	188755
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
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	92 W MAIN ST, AYER, MA 01432-1212

Mortgage

Document Number	188756
Date	Oct 16, 2020
Instrument	188756

Lender

Name	SEMPER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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	$5,200.00 (+16.85%)	$434,800 (+21.35%) Land $106,800 Building $328,000	$425,885 (-2.14%)
2024			$435,195
2023	$4,450.00	$358,300 Land $100,700 Building $257,600

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

Flood

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
Nearest Special Flood Hazard Area	Zone AE, within 500 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.

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	None beyond ember reach

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 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

92 W Main St, Ayer, MA 01432 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

October 2021: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

March 2019: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

October 2020: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on W Main St

Nearby Streets

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