10 Garrison Rd, Dracut, MA 01826 Property Records

Middlesex County and Dracut Town property record for 10 Garrison Rd, Dracut, MA 01826

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,208 sqft · built 1998
Lot Size	0.941 acres (41,005 sqft)
Owner	2 Individual Names on Record
Last Sale	$243,192 (Jun 1998)
Tax Bill	$7,426 (2026)
Deeds & Mortgages	May 2026 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`DRAC M:21 B:46 L:9`

Property Details

APN / Parcel Number

Primary APN	`DRAC M:21 B:46 L:9`
Alternative APN	`M:0021 B:0046 L:0009`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,208 sqft Living Area
Gross Area	3,914 sqft
1st Floor Area	1,272 sqft
Basement Area	676 sqft
Unfinished Basement	676 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	41,005 sqft (0.941 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	10 GARRISON RD
City	DRACUT
State	MA
Zip	01826-4288
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	46
Legal Lot Number	9
Jurisdiction	DRACUT MA
Township / Civil Division	DRACUT
Census Block Group	2
Census Block	2007
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	2 Individual Names on Record
Mailing Address	10 GARRISON RD, DRACUT, MA 01826-4288
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 26, 1998 · Amount on Record
Deed Sale	Jun 26, 1998 · Amount on Record
Deed Book / Page	9378 / 89
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DRACUT MA
Recording Date	May 19, 2026
Property Address	10 GARRISON RD, DRACUT, MA 01826-4288
Document Number	040066-232
Book / Page	40066 / 232
Instrument Date	Apr 30, 2026
Instrument	202615354
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 GARRISON RD, DRACUT, MA 01826-4288

Mortgage

Document Number	0000015354,
Date	May 19, 2026
Book Page	40066/232
Instrument	202615354

Lender

Name	JEANNE D'ARC CREDIT UNION

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jun 1, 2036

Interest

Rate	6.46%
Max Rate	-1%

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	$7,426.00 (+1.1%)	$767,900 (+5.8%) Land $275,400 Building $492,500	$724,375 (-)
2025	$7,345.00 (+4.53%)	$725,800 (+7.94%) Land $252,700 Building $473,100	$724,375 (-2.82%)
2024	$7,027.00 (+2.78%)	$672,400 (+13.89%) Land $240,800 Building $431,600	$745,370
2023	$6,837.00	$590,400 Land $209,400 Building $381,000

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	KENWOOD WATER DISTRICT serves 9,620 people · EPA ID MA3079001
Water Source	Purchased surface water from several systems
Last State Inspection	Sep 2024
Lead	2 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 80 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless · Fiber in parts of the area	300 / 20
T-Mobile Fixed Wireless	100 / 20