10 Bancroft St, Dracut, MA 01826 Property Records

Middlesex County and Dracut Town property record for 10 Bancroft St, Dracut, MA 01826

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 3,069 sqft · built 1880
Lot Size	0.603 acres (26,250 sqft)
Owner	2 Individual Names on File
Last Sale	$114,377 (Nov 1999)
Tax Bill	$7,186 (2025)
Deeds & Mortgages	Dec 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`DRAC M:49 L:15`

Property Details

APN / Parcel Number

Primary APN	`DRAC M:49 L:15`
Alternative APNs	`M:0049 B:0000 L:0015` `174808`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,069 sqft Living Area
Gross Area	5,687 sqft
1st Floor Area	1,557 sqft
Attic	Attic
Attic Area	1,260 sqft
Basement Area	1,260 sqft
Unfinished Basement	1,260 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	26,250 sqft (0.603 acres)
Garage Type	Carport
Carport	Carport
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Account Number	174808
Street Address	10 BANCROFT ST
City	DRACUT
State	MA
Zip	01826-3602
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Lot Number	15
Jurisdiction	DRACUT MA
Township / Civil Division	DRACUT
Census Block Group	2
Census Block	2003
Census Tract	314200

Owner

Source: Middlesex County and Dracut Town records · APN DRAC M:49 L:15

Assessment roll updated April 14, 2026 · Last verified July 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 File
Mailing Address	10 BANCROFT ST, DRACUT, MA 01826-3602
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 02, 1999 · Amount on Record
Deed Sale	Nov 02, 1999 · Amount on Record
Deed Book / Page	10499 / 279
Record Updated	Sep 20, 2026

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DRACUT MA
Property Address	10 BANCROFT ST, DRACUT, MA 01826-3602
Document Number	32688-273
Instrument Date	Dec 19, 2018
Transaction Type	Mortgage
Record Updated	Jan 22, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 BANCROFT ST DRACUT MA 018263602, DRACUT, MA 01826-3602

Mortgage

Document Number	32688-273
Date	Jan 04, 2019
Book Page	032688/000273
Instrument	549

Lender

Name	DIRECT FCU

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jan 03, 2039

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Middlesex County and Dracut Town records · Assessment roll updated April 14, 2026 · Last verified July 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,186.00 (+3.72%)	$710,100 (+7.1%) Land $214,200 Building $495,900	$771,685 (+1.69%)
2024	$6,928.00 (+3.06%)	$663,000 (+14.21%) Land $204,000 Building $459,000	$758,860
2023	$6,722.00	$580,500 Land $177,300 Building $403,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Middlesex County (25017C), as of September 10, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250173142002, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

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	8 in force
Nearby Flood Claims	3 (1979–2006)
Claims Outside the SFHA	1 of 3
Most Recent Claim	May 2006 · Severe Storms And Flooding

Wildfire

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless	300 / 20

Based on FCC filings for 251 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system MA3079000, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	DRACUT WATER SUPPLY DISTRICT serves 25,808 people
Water Source	Purchased surface water from LOWELL REGIONAL WATER UTILITY
Last State Inspection	Aug 2024
Lead	Under 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	None last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them. The full violation and enforcement history is in the system's EPA record.