Middlesex County and Dracut Town property record for 12 Cross St, Dracut, MA 01826
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,456 sqft · built 1955 |
| Lot Size | 0.165 acres (7,200 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $315,000 (Sep 2004) |
| Tax Bill | $4,494 (2026) |
| Deeds & Mortgages | Aug 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | DRAC M:33 L:194 |
| Primary APN | DRAC M:33 L:194 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 4 Rooms |
| Stories | 2 Stories |
| Building Area | 1,456 sqft Living Area |
| Gross Area | 2,547 sqft |
| 1st Floor Area | 728 sqft |
| Basement Area | 728 sqft |
| Unfinished Basement | 728 sqft |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gambrel |
| Roof Material | Asphalt |
| Lot Area | 7,200 sqft (0.165 acres) |
| Deck Area | Deck Area |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Account Number | 645136 |
|---|---|
| Street Address | 12 CROSS ST |
| City | DRACUT |
| State | MA |
| Zip | 01826-3304 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Lot Number | 194 |
| Jurisdiction | DRACUT MA |
| Township / Civil Division | DRACUT |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 314102 |
12 Cross St is owned and occupied by two individuals who bought it in September 2004.
Source: Middlesex County and Dracut Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 12 CROSS ST, DRACUT, MA 01826-3304 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 15, 2004 · Amount on File |
| Deed Sale | Sep 15, 2004 · Amount on File |
| Deed Document Number | 200469828 |
| Deed Book / Page | 17837 / 245 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DRACUT MA |
| Property Address | 12 CROSS ST, DRACUT, MA 01826-3304 |
| Transaction Type | Mortgage |
| Record Updated | Mar 15, 2021 |
| Name | Verified Name |
|---|
| Document Number | 32309-116 |
|---|---|
| Date | Aug 8, 2018 |
| Book Page | 32309/116 |
| Instrument | 34126 |
| Name | DITECH FINANCIAL LLC |
|---|
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Aug 1, 2048 |
The 2026 property tax bill for 12 Cross St was $4,494, up 1.1% from the year before.
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 | $4,494.00 (+1.15%) | $464,700 (+5.85%) Land $191,000 Building $273,700 | $512,430 (-) |
| 2025 | $4,443.00 (+5.58%) | $439,000 (+9.01%) Land $175,200 Building $263,800 | $512,430 (+6.37%) |
| 2024 | $4,208.00 (-0.68%) | $402,700 (+10.06%) Land $166,900 Building $235,800 | $481,745 |
| 2023 | $4,237.00 | $365,900 Land $145,100 Building $220,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12 Cross St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective September 10, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 12 Cross St is low, with a 0.01% annual chance of 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.
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 293 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: T-Mobile.
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