12 Harley Dr, Dracut, MA 01826 Property Records

Middlesex County and Dracut Town property record for 12 Harley Dr, Dracut, MA 01826

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,732 sqft · built 1998
Lot Size	0.92 acres (40,094 sqft)
Owner	2 Individual Names on File
Last Sale	$334,000 (Oct 2008)
Tax Bill	$7,780 (2026)
Deeds & Mortgages	Jun 2026 Mortgage Aug 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`DRAC M:2 B:22 L:1.4`

Property Details

APN / Parcel Number

Primary APN	`DRAC M:2 B:22 L:1.4`
Alternative APN	`M:0002 B:0022 L:01.4`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,732 sqft Living Area
Gross Area	6,697 sqft
1st Floor Area	1,724 sqft
Attic	Attic
Attic Area	1,008 sqft
Basement Area	1,724 sqft
Unfinished Basement	1,724 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	40,094 sqft (0.92 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	12 HARLEY DR
City	DRACUT
State	MA
Zip	01826-1694
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	22
Legal Lot Number	1.4
Jurisdiction	DRACUT MA
Township / Civil Division	DRACUT
Census Block Group	1
Census Block	1005
Census Tract	314302

Owner

12 Harley Dr is owned and occupied by two individuals who bought it in October 2008.

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

Owner of Record	2 Individual Names on File
Mailing Address	12 HARLEY DR, DRACUT, MA 01826-1694
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2026	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA
Aug 25, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF AMERICA NA
Dec 10, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 28, 2008 · Amount on File
Deed Sale	Oct 28, 2008 · Amount on File
Prior Sale	Aug 26, 2008 · Amount on File
Deed Document Number	200847620
Deed Book / Page	22516 / 217
Transfer Doc	22401-119
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DRACUT MA
Recording Date	Jun 30, 2026
Property Address	12 HARLEY DR, DRACUT, MA 01826-1694
Document Number	0000020746
Book / Page	40169 / 1
Instrument Date	Jun 25, 2026
Instrument	202620746
Transaction Type	Mortgage
Record Updated	Jul 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 HARLEY DR, DRACUT, MA 01826-1694

Mortgage

Document Number	0000020746,
Date	Jun 30, 2026
Book Page	40169/1
Instrument	202620746

Lender

Name	BANK OF AMERICA

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 1, 2041

Interest

Rate	5.87%
Max Rate	-1%

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DRACUT MA
Property Address	12 HARLEY DR, DRACUT, MA 01826-1694
Transaction Type	Mortgage
Record Updated	Mar 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	34533-69
Date	Aug 25, 2020
Book Page	34533/69
Instrument	40012

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Sep 1, 2035

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DRACUT MA
Property Address	12 HARLEY DR, DRACUT, MA 01826-1694
Document Number	32661-216
Instrument Date	Dec 10, 2018
Transaction Type	Mortgage
Record Updated	Jan 8, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 HARLEY DR DRACUT MA 018261694, DRACUT, MA 01826-1694

Mortgage

Document Number	32661-216
Date	Dec 21, 2018
Book Page	032661/000216
Instrument	55787

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Dec 20, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 12 Harley Dr was $7,780, up 1.1% from the year before.

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	$7,780.00 (+1.1%)	$804,500 (+5.8%) Land $246,900 Building $557,600	$600,210 (-)
2025	$7,695.00 (+2.9%)	$760,400 (+6.26%) Land $226,500 Building $533,900	$600,210 (+2.27%)
2024	$7,478.00 (+3.23%)	$715,600 (+14.39%) Land $215,800 Building $499,800	$586,910
2023	$7,244.00	$625,600 Land $187,700 Building $437,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 12 Harley Dr 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

Wildfire risk around 12 Harley Dr 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	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 116 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880

May also be available: T-Mobile.

Nearby Properties on Harley Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures