Middlesex County and Dracut Town property record for 122 Black Oak Ln, Dracut, MA 01826
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,085 sqft · built 1985 |
| Lot Size | 1.3 acres (56,628 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $262,000 (Aug 2022) |
| Tax Bill | $6,516 (2026) |
| Deeds & Mortgages | Mar 2025 Refinance Aug 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | DRAC M:13 B:128 L:8 |
| Primary APN | DRAC M:13 B:128 L:8 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,085 sqft Living Area |
| Gross Area | 4,437 sqft |
| 1st Floor Area | 1,045 sqft |
| Basement Area | 1,040 sqft |
| Unfinished Basement | 1,040 sqft |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 56,628 sqft (1.3 acres) |
| Deck Area | Deck Area |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Account Number | 518519 |
|---|---|
| Street Address | 122 BLACK OAK LN |
| City | DRACUT |
| State | MA |
| Zip | 01826-1300 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Block | 128 |
| Legal Lot Number | 8 |
| 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 are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 122 BLACK OAK LN, DRACUT, MA 01826-1300 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Mar 5, 2025 | Deed of Trust, Mortgage · Stand-Alone Refinance LOWELL FIVE CENTS SAVINGS BANK |
| Aug 12, 2022 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage DRAPER AND KRAMER MORTGAGE CORP. |
| Aug 2, 2019 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage DRAPER AND KRAMER MORTGAGE CORP. |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 12, 2022 · Amount on Record |
| Deed Sale | Aug 12, 2022 · Amount on Record |
| Prior Sale | Aug 2, 2019 · Amount on Record |
| Deed Book / Page | 37298 / 93 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DRACUT MA |
| Property Address | 122 BLACK OAK LN, DRACUT, MA 01826-1300 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2025 |
| Name | Verified Name |
|---|
| Document Number | 039103-164 |
|---|---|
| Date | Mar 5, 2025 |
| Book Page | 39103/164 |
| Instrument | 6210 |
| Name | LOWELL FIVE CENTS SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Apr 1, 2045 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | DRACUT MA |
| Recording Date | Aug 12, 2022 |
| Property Address | 122 BLACK OAK LN, DRACUT, MA 01826-1300 |
| Document Number | 0037298-93 |
| Book / Page | 37298 / 93 |
| Instrument Date | Aug 12, 2022 |
| Instrument | 34234 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 122 BLACK OAK LN, DRACUT, MA 01826-1300 |
| Document Number | 0000034235 |
|---|---|
| Date | Aug 12, 2022 |
| Instrument | 34235 |
| Name | DRAPER AND KRAMER MORTGAGE CORP. |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | DRACUT MA |
| Recording Date | Aug 2, 2019 |
| Property Address | 122 BLACK OAK LN, DRACUT, MA 01826-1300 |
| Document Number | 33218-35 |
| Book / Page | 33218 / 35 |
| Instrument Date | Aug 2, 2019 |
| Instrument | 32114 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 10 KETTLE WAY, DRACUT, MA 01826-2757 |
| Document Number | 32115 |
|---|---|
| Date | Aug 2, 2019 |
| Instrument | 32115 |
| Name | DRAPER AND KRAMER MORTGAGE CORP. |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $6,516.00 (+1.59%) | $673,800 (+6.31%) Land $281,100 Building $392,700 | $689,873 |
| 2025 | $6,414.00 (+2.51%) | $633,800 (+5.85%) Land $257,900 Building $375,900 | |
| 2024 | $6,257.00 (+0.05%) | $598,800 (+10.87%) Land $245,800 Building $353,000 | |
| 2023 | $6,254.00 | $540,100 Land $213,900 Building $326,200 |
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 |
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