10 Howe St, Dracut, MA 01826 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,372 sqft · built 1992
Lot Size	0.116 acres (5,038 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,638 (2026)
Deeds & Mortgages	Jul 2022 Refinance Jan 2026 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`DRAC M:25 B:149 L:1`

Property Details

APN / Parcel Number

Primary APN	`DRAC M:25 B:149 L:1`
Alternative APN	`M:0025 B:0149 L:0001`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,372 sqft Living Area
Gross Area	2,044 sqft
1st Floor Area	672 sqft
Basement Area	672 sqft
Unfinished Basement	672 sqft

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,038 sqft (0.116 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	10 HOWE ST
City	DRACUT
State	MA
Zip	01826-2341
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	149
Legal Lot Number	1
Jurisdiction	DRACUT MA
Township / Civil Division	DRACUT
Census Block Group	4
Census Block	4019
Census Tract	314102

Owner

Source: Middlesex County and Dracut Town records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	10 HOWE ST, DRACUT, MA 01826-2341
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance BROKER SOLUTIONS INC
Jan 30, 2026	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Nov 29, 2024	Quit Claim Deed, Transfer · VA Mortgage AMERISAVE MORTGAGE CORP
Sep 18, 2018	Quit Claim Deed, Transfer RESIDENTIAL MTG SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 29, 2024
Deed Sale	Nov 29, 2024
Prior Sale	Sep 18, 2018 · Amount on Record
Deed Book / Page	38932 / 90
Prior Transfer Date	Nov 24, 2024
Prior Transfer Doc	0038932-90
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DRACUT MA
Property Address	10 HOWE ST, DRACUT, MA 01826-2341
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	037265-245
Date	Jul 29, 2022
Book Page	37265/245
Instrument	32383

Lender

Name	BROKER SOLUTIONS INC
Type	Funding / Finance Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DRACUT MA
Property Address	10 HOWE ST, DRACUT, MA 01826-2341
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039831-181
Date	Jan 30, 2026
Book Page	39831/181
Instrument	2876

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	481 Months
Due	Feb 1, 2066

November 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DRACUT MA
Recording Date	Nov 29, 2024
Property Address	10 HOWE ST, DRACUT, MA 01826-2341
Document Number	0038932-90
Book / Page	38932 / 90
Instrument Date	Nov 24, 2024
Instrument	202400037811
Transaction Type	Transfer
Record Updated	Jan 21, 2026
Title Company	MISC COMPANY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	10 HOWE ST, DRACUT, MA 01826-2341

Mortgage

Document Number	202400037819
Date	Nov 29, 2024
Instrument	202400037819

Lender

Name	AMERISAVE MORTGAGE CORP

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2054

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DRACUT MA
Recording Date	Sep 18, 2018
Property Address	10 HOWE ST, DRACUT, MA 01826-2341
Document Number	32417-231
Book / Page	32417 / 231
Instrument	40955
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$35.49
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	324170233
Date	Sep 18, 2018
Instrument	32417/0233

Lender

Name	RESIDENTIAL MTG SVCS

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 18, 2048

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	$4,638.00 (-0.13%)	$479,600 (+4.51%) Land $176,700 Building $302,900	$478,230 (-)
2025	$4,644.00 (+3.59%)	$458,900 (+6.97%) Land $162,100 Building $296,800	$478,230 (+4.79%)
2024	$4,483.00 (+3.29%)	$429,000 (+14.46%) Land $154,400 Building $274,600	$456,380
2023	$4,340.00	$374,800 Land $134,300 Building $240,500

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2006)
Most Recent Claim	May 2006 · Severe Storms And Flooding

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	DRACUT WATER SUPPLY DISTRICT serves 25,808 people · EPA ID MA3079000
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, 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 261 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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