98 W Main St, Ayer, MA 01432 Property Records

Middlesex County and Ayer Town property record for 98 W Main St, Ayer, MA 01432

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,586 sqft · built 1880
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on Record
Last Sale	$100,000 (Dec 2002)
Tax Bill	$4,208 (2025)
Deeds & Mortgages	Jan 2024 Refinance May 2021 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`AYER M:026 B:0000 L:0045`

Property Details

APN / Parcel Number

Primary APN	`AYER M:026 B:0000 L:0045`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,586 sqft Living Area
Basement Area	714 sqft
Unfinished Basement	714 sqft

Exterior

Year Built	Built 1880
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)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Street Address	98 W MAIN ST
City	AYER
State	MA
Zip	01432-1213
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	GR
Legal Lot Number	45
Jurisdiction	AYER MA
Township / Civil Division	AYER
Census Block Group	5
Census Block	5017
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	98 W MAIN ST, AYER, MA 01432-1213
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 10, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance WORKERS CU
May 26, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance E MORTGAGE MANAGEMENT LLC
May 26, 2021	Quit Claim Deed, Transfer · Stand-Alone Refinance E MORTGAGE MANAGEMENT LLC
Apr 10, 2018	Deed of Trust, Mortgage · Line of Credit LEOMINSTER CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 27, 2002 · Amount on Record
Deed Sale	Dec 27, 2002 · Amount on Record
Last Transfer Date	May 21, 2021
Transfer Doc	77868-348
Record Updated	Sep 20, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AYER MA
Property Address	98 W MAIN ST, AYER, MA 01432-1213
Transaction Type	Mortgage
Record Updated	Jan 26, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	082386-289
Date	Jan 10, 2024
Book Page	82386/289
Instrument	3157

Lender

Name	WORKERS CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Feb 1, 2044

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AYER MA
Property Address	98 W MAIN ST, AYER, MA 01432-1213
Transaction Type	Mortgage
Record Updated	Nov 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	077868-351
Date	May 26, 2021
Book Page	77868/351
Instrument	119621

Lender

Name	E MORTGAGE MANAGEMENT LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2036

May 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	AYER MA
Recording Date	May 26, 2021
Property Address	98 W MAIN ST, AYER, MA 01432-1213
Document Number	77868-348
Book / Page	77868 / 348
Instrument Date	May 21, 2021
Instrument	119620
Transaction Type	Transfer
Record Updated	Jun 11, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	98 W MAIN ST, AYER, MA 01432-1213

Mortgage

Document Number	77868-351
Date	May 26, 2021
Book Page	77868/351
Instrument	119621

Lender

Name	E MORTGAGE MANAGEMENT LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2036

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AYER MA
Property Address	98 W MAIN ST, AYER, MA 01432-1213
Document Number	70874-360
Instrument Date	Apr 10, 2018
Transaction Type	Mortgage
Record Updated	May 8, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	70874-360
Date	Apr 17, 2018
Book Page	070874/000360
Instrument	51329

Lender

Name	LEOMINSTER CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Apr 16, 2038

Interest

Rate Type	Adjustable Rate

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	$4,208.00 (+16.28%)	$351,800 (+20.73%) Land $106,800 Building $245,000	$467,685 (-2.05%)
2024			$477,470
2023	$3,619.00	$291,400 Land $100,700 Building $190,700

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 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.

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

98 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

January 2024: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

May 2021: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

May 2021: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

April 2018: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

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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