96 Groton School Rd, Ayer, MA 01432 Property Records

Middlesex County and Ayer Town property record for 96 Groton School Rd, Ayer, MA 01432

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,064 sqft · built 1963
Lot Size	0.26 acres (11,326 sqft)
Owner	2 Individual Names on Record
Last Sale	$170,000 (Jun 2000)
Tax Bill	$4,681 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Feb 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`AYER M:003 B:0000 L:0009`

Property Details

APN / Parcel Number

Primary APN	`AYER M:003 B:0000 L:0009`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,064 sqft Living Area
Basement Area	1,064 sqft
Unfinished Basement	1,064 sqft

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1988
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,326 sqft (0.26 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	96 GROTON SCHOOL RD
City	AYER
State	MA
Zip	01432-1057
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A2
Legal Lot Number	9
Jurisdiction	AYER MA
Township / Civil Division	AYER
Census Block Group	2
Census Block	2010
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	2 Individual Names on Record
Mailing Address	96 GROTON SCHOOL RD, AYER, MA 01432-1057
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Dec 11, 2025	Deed of Trust, Mortgage · Conventional Mortgage MUTUAL OF OMAHA MORTGAGE
Feb 21, 2023	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK OF RHODE ISLAND
Nov 17, 2020	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK OF RHODE ISLAND
Jan 28, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUAD CTY BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 29, 2000 · Amount on Record
Deed Sale	Jun 29, 2000 · Amount on Record
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AYER MA
Property Address	96 GROTON SCHOOL RD, AYER, MA 01432-1057
Transaction Type	Mortgage
Record Updated	Dec 31, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	084988-166
Date	Dec 11, 2025
Book Page	84988/166
Instrument	151482

Lender

Name	MUTUAL OF OMAHA MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Jan 1, 2055

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AYER MA
Property Address	96 GROTON SCHOOL RD, AYER, MA 01432-1057
Transaction Type	Mortgage
Record Updated	Mar 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	081262-378
Date	Feb 21, 2023
Book Page	81262/378
Instrument	17507

Lender

Name	CITIZENS BANK OF RHODE ISLAND
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Mar 1, 2048

Interest

Rate Type	Adjustable Rate

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AYER MA
Property Address	96 GROTON SCHOOL RD, AYER, MA 01432-1057
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	76185-428
Date	Nov 17, 2020
Book Page	76185/428
Instrument	215196

Lender

Name	CITIZENS BANK OF RHODE ISLAND
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Dec 1, 2045

Interest

Rate Type	Adjustable Rate

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AYER MA
Property Address	96 GROTON SCHOOL RD, AYER, MA 01432-1057
Document Number	72191-496
Instrument Date	Jan 28, 2019
Transaction Type	Mortgage
Record Updated	Feb 19, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	96 GROTON SCHOOL RD AYER MA 014321057, AYER, MA 01432-1057

Mortgage

Document Number	72191-496
Date	Feb 1, 2019
Book Page	072191/000496
Instrument	14130

Lender

Name	QUAD CTY BK&TR
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 31, 2049

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	$4,681.00 (+6.63%)	$391,400 (+10.72%) Land $141,400 Building $250,000	$462,365 (+1.86%)
2024			$453,910
2023	$4,390.00	$353,500 Land $151,600 Building $201,900

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
Flood Insurance Cost	Premium on Record median of 10 policies
Nearby Flood Policies	10 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.

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	0.02% annual chance
Exposure	Direct burnable vegetation

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 60 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000

Cell Coverage

5G (outdoors only) and 4G LTE

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