124 Varnum Rd, Dracut, MA 01826 Property Records

Middlesex County and Dracut Town property record for 124 Varnum Rd, Dracut, MA 01826

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,175 sqft · built 1943
Lot Size	0.263 acres (11,460 sqft)
Owner	Individual Name on File
Last Sale	$500,000 (Jul 2023)
Tax Bill	$4,928 (2026)
Deeds & Mortgages	Nov 2024 Refinance Jul 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`DRAC M:24 L:204`

Property Details

APN / Parcel Number

Primary APN	`DRAC M:24 L:204`
Alternative APNs	`M:0024 B:0000 L:0204` `175216`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,175 sqft Living Area
Gross Area	2,770 sqft
1st Floor Area	870 sqft
Attic	Attic
Attic Area	870 sqft
Basement Area	870 sqft
Unfinished Basement	450 sqft

Exterior

Year Built	Built 1943
Effective Year Built	Effective 1943
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,460 sqft (0.263 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Wood

Location & Zoning

Account Number	175216
Street Address	124 VARNUM RD
City	DRACUT
State	MA
Zip	01826-3014
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Lot Number	204
Jurisdiction	DRACUT MA
Township / Civil Division	DRACUT
Census Block Group	1
Census Block	1009
Census Tract	314101

Owner

124 Varnum Rd is owned and occupied by an individual who bought it in July 2023.

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

Owner of Record	Individual Name on File
Mailing Address	124 VARNUM RD, DRACUT, MA 01826-3014
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
Nov 12, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance FLAGSTAR BANK FSB
Jul 10, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CROSSCOUNTRY MORTGAGE INC
Jan 16, 2019	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 10, 2023 · Amount on File
Deed Sale	Jul 10, 2023 · Amount on File
Prior Sale	Sep 27, 2013 · Amount on File
Deed Book / Page	37940 / 228
Record Updated	Oct 29, 2026

November 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DRACUT MA
Property Address	124 VARNUM RD, DRACUT, MA 01826-3014
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	038888-221
Date	Nov 12, 2024
Book Page	38888/221
Instrument	35500

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2054

July 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DRACUT MA
Recording Date	Jul 10, 2023
Property Address	124 VARNUM RD, DRACUT, MA 01826-3014
Document Number	037940-228
Book / Page	37940 / 228
Instrument Date	Jul 10, 2023
Instrument	19724
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount on Record
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
Address	124 VARNUM RD, DRACUT, MA 01826-3014

Mortgage

Document Number	0000019725
Date	Jul 10, 2023
Instrument	19725

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DRACUT MA
Recording Date	Jan 16, 2019
Property Address	124 VARNUM RD, DRACUT, MA 01826-3014
Document Number	32711-272
Book / Page	032711 / 000272
Instrument Date	Jan 15, 2019
Instrument	2084
Transaction Type	Transfer
Record Updated	Feb 6, 2019

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	124 VARNUM RD DRACUT MA 018263014, DRACUT, MA 01826-3014

Tax Assessment & Valuation

The 2026 property tax bill for 124 Varnum Rd was $4,928, up 3.7% 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	$4,928.00 (+3.73%)	$509,600 (+8.54%) Land $211,700 Building $297,900	$493,145 (-)
2025	$4,751.00 (+4.33%)	$469,500 (+7.73%) Land $194,200 Building $275,300	$493,145 (-0.29%)
2024	$4,554.00 (+5.51%)	$435,800 (+16.93%) Land $185,000 Building $250,800	$494,570
2023	$4,316.00	$372,700 Land $160,800 Building $211,900

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

Flood

FEMA maps place 124 Varnum Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2014)
Most Recent Claim	Mar 2014 · river or lake flooding

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

Wildfire risk around 124 Varnum Rd 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.

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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