101 Cross Rd, Dracut, MA 01826 Property Records

Middlesex County and Dracut Town property record for 101 Cross Rd, Dracut, MA 01826

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,006 sqft · built 2022
Lot Size	0.918 acres (40,004 sqft)
Owner	Individual Name on Record
Last Sale	$780,000 (Nov 2022)
Tax Bill	$8,125 (2026)
Deeds & Mortgages	Feb 2022 Construction Loan Nov 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`DRAC M:19 B:18 L:2`

Property Details

APN / Parcel Number

Primary APN	`DRAC M:19 B:18 L:2`
Alternative APNs	`M:0019 B:0018 L:0002` `19182`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	3,006 sqft Living Area
Gross Area	4,674 sqft
Basement Area	1,076 sqft
Unfinished Basement	1,076 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	40,004 sqft (0.918 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	19182
Street Address	101 CROSS RD
City	DRACUT
State	MA
Zip	01826-1408
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	18
Legal Lot Number	2
Jurisdiction	DRACUT MA
Township / Civil Division	DRACUT
Census Block Group	3
Census Block	3000
Census Tract	314200

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	101 CROSS RD, DRACUT, MA 01826-1408
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Feb 18, 2022	Deed of Trust, Mortgage · Construction Mortgage ENTERPRISE BANK & TRUST CO
Nov 15, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage JEANNE D ARC CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 15, 2022 · Amount on Record
Deed Sale	Nov 15, 2022 · Amount on Record
Deed Book / Page	37510 / 274
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DRACUT MA
Property Address	101 CROSS RD, DRACUT, MA 01826-1408
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	036829-278
Date	Feb 18, 2022
Book Page	36829/278
Instrument	7936

Lender

Name	ENTERPRISE BANK & TRUST CO
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

November 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DRACUT MA
Recording Date	Nov 15, 2022
Property Address	101 CROSS RD, DRACUT, MA 01826-1408
Document Number	037510-274
Book / Page	37510 / 274
Instrument Date	Nov 15, 2022
Instrument	46707
Transaction Type	Transfer
Record Updated	Nov 20, 2025

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
Relationship	Tenants by the Entirety
Address	101 CROSS RD, DRACUT, MA 01826-1408

Mortgage

Document Number	0000318274
Date	Nov 15, 2022
Instrument	318274

Lender

Name	JEANNE D ARC CU
Type	Credit Union

Agreement

Type	Stand-Alone First 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	$8,125.00 (-0.04%)	$840,200 (+4.61%) Land $187,000 Building $653,200	$846,165 (-)
2025	$8,128.00 (+1.88%)	$803,200 (+5.21%) Land $171,500 Building $631,700	$846,165 (+0.18%)
2024	$7,978.00 (+2.32%)	$763,400 (+13.38%) Land $163,400 Building $600,000	$844,645
2023	$7,797.00	$673,300 Land $142,200 Building $531,100

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
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	2 (1978–1979)
Most Recent Claim	Jan 1979 · rainfall accumulation

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	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 133 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Verizon.

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