1 Spruce Ln, Dracut, MA 01826 Property Records

Middlesex County and Dracut Town property record for 1 Spruce Ln, Dracut, MA 01826

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,049 sqft · built 2018
Lot Size	1.07 acres (46,609 sqft)
Owner	Individual Name on Record
Last Sale	$602,900 (Mar 2019)
Tax Bill	$9,565 (2026)
Deeds & Mortgages	Sep 2021 Refinance Mar 2026 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`DRAC M:20 B:61 L:7`

Property Details

APN / Parcel Number

Primary APN	`DRAC M:20 B:61 L:7`
Alternative APNs	`M:0020 B:0061 L:0007` `20617`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,049 sqft Living Area
Gross Area	6,295 sqft
Basement Area	1,070 sqft
Unfinished Basement	1,070 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	46,609 sqft (1.07 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	20617
Street Address	1 SPRUCE LN
City	DRACUT
State	MA
Zip	01826-1717
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	61
Legal Lot Number	7
Jurisdiction	DRACUT MA
Township / Civil Division	DRACUT
Census Block Group	2
Census Block	2004
Census Tract	314302

Owner

Source: Middlesex County and Dracut 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	1 SPRUCE LN, DRACUT, MA 01826-1717
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Sep 13, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance UNITED WHOLESALE MORTGAGE
Mar 31, 2026	Quit Claim Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Mar 13, 2019	Quit Claim Deed, Transfer · FHA Mortgage NEW FED MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 13, 2019 · Amount on Record
Deed Sale	Mar 13, 2019 · Amount on Record
Prior Sale	Dec 29, 2016
Deed Document Number	20199065
Deed Book / Page	32823 / 32
Last Transfer Date	Feb 17, 2026
Transfer Doc	0039960-25
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DRACUT MA
Property Address	1 SPRUCE LN, DRACUT, MA 01826-1717
Transaction Type	Mortgage
Record Updated	Apr 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	036244-149
Date	Sep 13, 2021
Book Page	36244/149
Instrument	53461

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	337 Months
Due	Oct 1, 2049

March 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DRACUT MA
Recording Date	Mar 31, 2026
Property Address	1 SPRUCE LN, DRACUT, MA 01826-1717
Document Number	0039960-25
Book / Page	39960 / 25
Instrument Date	Feb 17, 2026
Instrument	9530
Transaction Type	Transfer
Record Updated	Apr 22, 2026

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
Address	1 SPRUCE LN, DRACUT, MA 01826-1717

Mortgage

Document Number	0000009531
Date	Mar 31, 2026
Instrument	9531

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

March 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DRACUT MA
Recording Date	Mar 13, 2019
Property Address	1 SPRUCE LN, DRACUT, MA 01826-1717
Document Number	32823-32
Book / Page	32823 / 32
Instrument Date	Mar 13, 2019
Instrument	9065
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	1 SPRUCE LN, DRACUT, MA 01826-1717

Mortgage

Document Number	9066
Date	Mar 13, 2019
Instrument	9066

Lender

Name	NEW FED MORTGAGE CORP

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Middlesex County and Dracut Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
County Subdivision	Dracut Town
Unified School District	Dracut School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$9,565.00 (+0.2%)	$989,100 (+4.86%) Land $279,000 Building $710,100	$846,070 (-)
2025	$9,546.00 (+2.06%)	$943,300 (+5.4%) Land $256,000 Building $687,300	$846,070 (+4.64%)
2024	$9,353.00 (+5.09%)	$895,000 (+16.45%) Land $244,000 Building $651,000	$808,545
2023	$8,900.00	$768,600 Land $212,300 Building $556,300

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	2 (2001–2006)
Claims Outside the SFHA	2 of 2
Most Recent Claim	May 2006 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, May 2006 · 2 claims

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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 102 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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