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Single Family ResidenceResidential
$698,634$439 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 92How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $677,000 on Nov 13, 2025

38 PINE RIDGE DR

AYER, MA 01432
3
Beds
2
Baths
1,590 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.67 ac
Lot SizeThe size of the land the home sits on, from county records.
1994
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
6
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$699K
$644K low$753K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$677,000 · Nov 13, 2025
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$441,634
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$353,307
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.37%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$257,000
FAIRWAY INDEPENDENT MORTGAGE CORP · recorded Nov 13, 2025

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$6,467 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$540,700 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$192,400
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$348,300
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$576,365

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Colonial
CountyMIDDLESEX
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.2003
Lot (acres)The size of the land the home sits on, from county records.0.67
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Hot Water
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(14)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

H
Ayer Shirley Regional High SchoolB
High · Grades 9–12 · 0.6 mi
E
Page Hilltop Elementary SchoolC
Elementary · Grades PK–5 · 0.7 mi
M
Ayer Shirley Regional Middle SchoolB
Middle · Grades 6–8 · 3.8 mi

District: Ayer-Shirley School District

Neighborhood · ZIP 01432These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.116
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.100
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.69

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.95%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.27%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.7.2%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.3%
PopulationHow many people live in this area.8,319
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.972 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$96,941
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$133,807
Average tempThe average temperature here across a full year.48°F
Annual precipHow much rain and melted snow falls here in a typical year.47 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.58%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

38 Pine Ridge Dr measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 74% of homes in Ayer 01432
  • Costs more per square foot than 82% of homes in Ayer 01432
  • Has a bigger lot than 71% of homes in Middlesex County
  • Newer than 84% of homes in Middlesex County

What homes are worth in Ayer 01432

Each bar is how many homes fall in that price range. The marker is this home.

This home
$297K$993K

This home is worth more than 74% of homes in Ayer 01432.

How it measures up in Ayer 01432

The dot is this home. The mark in the middle is the typical home in Ayer 01432.

Estimated value$698,634
CheaperTypical $568,842Pricier

Pricier than 74% of homes nearby

Price per ft²$439
CheaperTypical $363Pricier

Pricier than 82% of homes nearby

Living area1,590 ft²
SmallerTypical 1,638 ft²Bigger

Bigger than 46% of homes nearby

Lot size0.67 ac
SmallerTypical 0.45 acBigger

Bigger than 61% of homes nearby

Year built1994
OlderTypical 1976Newer

Newer than 64% of homes nearby

How 38 Pine Ridge Dr ranks against every home in each area.
MeasureThis homeAyer 01432Middlesex County
Estimated valuepricier than$698,63474% of homes38% of homes
Price per ft²pricier than$43982% of homes43% of homes
Living areabigger than1,590 ft²46% of homes39% of homes
Lot sizebigger than0.67 ac61% of homes71% of homes
Year builtnewer than199464% of homes84% of homes

About 38 Pine Ridge Dr

How much is 38 Pine Ridge Dr, Ayer, MA worth?

The TopHap Estimate for 38 Pine Ridge Dr, Ayer, MA is $698,634 as of Jul 14, 2026. The likely range is $644,302 to $752,966. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 38 Pine Ridge Dr, Ayer, MA last sell?

38 Pine Ridge Dr, Ayer, MA last sold on Nov 13, 2025 for $677,000, according to the county's recorded deed. TopHap holds 10 recorded sales for this parcel.

How big is 38 Pine Ridge Dr, Ayer, MA?

38 Pine Ridge Dr, Ayer, MA has 3 bedrooms, 2 bathrooms, 1,590 square feet of living space and a 0.67-acre lot.

When was 38 Pine Ridge Dr, Ayer, MA built?

38 Pine Ridge Dr, Ayer, MA was built in 1994, making it 32 years old. It is a colonial home. The building has 2 stories.

What schools serve 38 Pine Ridge Dr, Ayer, MA?

38 Pine Ridge Dr, Ayer, MA is assigned to Ayer Shirley Regional High School (high), rated B; Page Hilltop Elementary School (elementary), rated C; Ayer Shirley Regional Middle School (middle), rated B. All sit in Ayer-Shirley School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 38 Pine Ridge Dr, Ayer, MA compare to other homes in Ayer 01432?

Among the 2,710 homes in Ayer 01432, it is worth more than 74% of them ($698,634 against a typical $568,842), its price per square foot is higher than 82% of them ($439 against a typical $363), it is bigger than 46% of them (1,590 ft² against a typical 1,638 ft²), its lot is bigger than 61% of them (0.67 ac against a typical 0.45 ac) and it is newer than 64% of them (1994 against a typical 1976). Measured against all of Middlesex County, it is worth more than 38% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 38 Pine Ridge Dr, Ayer, MA?

The 2025 property tax bill for 38 Pine Ridge Dr, Ayer, MA was $6,467. The county assessed it at $540,700.

Closest homes

More homes in Ayer 01432

Assigned schools

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