Middlesex County and Dracut Town property record for 104 Black Oak Ln, Dracut, MA 01826
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,779 sqft · built 1986 |
| Lot Size | 1.15 acres (50,094 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $7,958 (2026) |
| Deeds & Mortgages | Jan 2022 Refinance Nov 2021 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | DRAC M:13 B:128 L:5 |
| Primary APN | DRAC M:13 B:128 L:5 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,779 sqft Living Area |
| Gross Area | 5,093 sqft |
| 1st Floor Area | 1,492 sqft |
| Attic | Attic |
| Attic Area | 468 sqft |
| Basement Area | 984 sqft |
| Unfinished Basement | 592 sqft |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 50,094 sqft (1.15 acres) |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 518225 |
|---|---|
| Street Address | 104 BLACK OAK LN |
| City | DRACUT |
| State | MA |
| Zip | 01826-1300 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Subdivision | BLACK OAK ESTATES |
| Legal Block | 128 |
| Legal Lot Number | 5 |
| Jurisdiction | DRACUT MA |
| Township / Civil Division | DRACUT |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 314200 |
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 | 104 BLACK OAK LN, DRACUT, MA 01826-1300 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 11, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance JEANNE D ARC CU |
| Nov 26, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC |
| Jul 31, 2020 | Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS INC |
| Oct 22, 2019 | Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 2, 2012 |
| Deed Sale | Apr 2, 2012 |
| Deed Document Number | 20121 |
| Deed Book / Page | 25860 / 171 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DRACUT MA |
| Property Address | 104 BLACK OAK LN, DRACUT, MA 01826-1300 |
| Transaction Type | Mortgage |
| Record Updated | Jan 28, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0036713-18 |
|---|---|
| Date | Jan 11, 2022 |
| Book Page | 36713/18 |
| Instrument | 1616 |
| Name | JEANNE D ARC CU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 229 Months |
| Due | Feb 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DRACUT MA |
| Property Address | 104 BLACK OAK LN, DRACUT, MA 01826-1300 |
| Transaction Type | Mortgage |
| Record Updated | Dec 10, 2021 |
| Name | Verified Name |
|---|
| Document Number | 36554-255 |
|---|---|
| Date | Nov 26, 2021 |
| Book Page | 36554/255 |
| Instrument | 68832 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DRACUT MA |
| Property Address | 104 BLACK OAK LN, DRACUT, MA 01826-1300 |
| Transaction Type | Mortgage |
| Record Updated | Mar 15, 2021 |
| Name | Verified Name |
|---|
| Document Number | 34433-184 |
|---|---|
| Date | Jul 31, 2020 |
| Book Page | 34433/184 |
| Instrument | 35179 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DRACUT MA |
| Property Address | 104 BLACK OAK LN, DRACUT, MA 01826-1300 |
| Document Number | 33496-216 |
| Instrument Date | Oct 22, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 19, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 104 BLACK OAK LN DRACUT MA 018261300, DRACUT, MA 01826-1300 |
| Document Number | 33496-216 |
|---|---|
| Date | Oct 29, 2019 |
| Book Page | 033496/000216 |
| Instrument | 47274 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 28, 2049 |
Source: Middlesex County and Dracut Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Dracut Town |
| Unified School District | Dracut School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $7,958.00 (+1.2%) | $823,000 (+5.91%) Land $279,700 Building $543,300 | $793,725 (-) |
| 2025 | $7,864.00 (+1.22%) | $777,100 (+4.53%) Land $256,700 Building $520,400 | $793,725 (+8.21%) |
| 2024 | $7,769.00 (+3.13%) | $743,400 (+14.28%) Land $244,600 Building $498,800 | $733,495 |
| 2023 | $7,533.00 | $650,500 Land $212,900 Building $437,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 96% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 32 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures