125 Varnum Rd, Dracut, MA 01826 Property Records

Middlesex County and Dracut Town property record for 125 Varnum Rd, Dracut, MA 01826

Property Summary

Property Type	Single Family Home
Details	6 bd · 3 ba · 3,776 sqft · built 1959
Lot Size	0.517 acres (22,500 sqft)
Owner	Individual Name on File
Last Sale	$551,000 (Aug 2020)
Tax Bill	$7,891 (2026)
Deeds & Mortgages	Feb 2024 Refinance Jun 2021 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`DRAC M:24 L:174`

Property Details

APN / Parcel Number

Primary APN	`DRAC M:24 L:174`
Alternative APNs	`M:0024 B:0000 L:0174` `325028`

Interior

Bedrooms	6 Beds
Full Baths	3 Baths
Total Rooms	12 Rooms
Stories	3 Stories
Building Area	3,776 sqft Living Area
Gross Area	6,564 sqft
1st Floor Area	1,496 sqft
Attic	Attic
Attic Area	1,080 sqft
Basement Area	1,080 sqft
Unfinished Basement	1,080 sqft

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	22,500 sqft (0.517 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	325028
Street Address	125 VARNUM RD
City	DRACUT
State	MA
Zip	01826-3025
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Lot Number	174
Jurisdiction	DRACUT MA
Township / Civil Division	DRACUT
Census Block Group	1
Census Block	1010
Census Tract	314101

Owner

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 File
Mailing Address	125 VARNUM RD, DRACUT, MA 01826-3025
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 20, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance NAVY FCU
Jun 21, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance MORTGAGE RESEARCH CENTER LLC
Aug 28, 2017	Deed of Trust, Mortgage · Line of Credit LOWELL FIVE CENTS SAVINGS BANK
Aug 12, 2020	Quit Claim Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
May 30, 2019	Quit Claim Deed, Transfer · Conventional Mortgage QUAD CTY BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 12, 2020 · Amount on File
Deed Sale	Aug 12, 2020 · Amount on File
Prior Sale	May 30, 2019 · Amount on File
Deed Document Number	202037674
Deed Book / Page	34485 / 220
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DRACUT MA
Property Address	125 VARNUM RD, DRACUT, MA 01826-3025
Transaction Type	Mortgage
Record Updated	Mar 8, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0038333-71
Date	Feb 20, 2024
Book Page	38333/71
Instrument	4208

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	469 Months
Due	Mar 1, 2063

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DRACUT MA
Property Address	125 VARNUM RD, DRACUT, MA 01826-3025
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	035899-165
Date	Jun 21, 2021
Book Page	35899/165
Instrument	36307

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DRACUT MA
Property Address	125 VARNUM RD, DRACUT, MA 01826-3025
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	31415-229
Date	Aug 28, 2017
Book Page	31415/229
Instrument	37743

Lender

Name	LOWELL FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Aug 1, 2042

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DRACUT MA
Recording Date	Aug 12, 2020
Property Address	125 VARNUM RD, DRACUT, MA 01826-3025
Document Number	34485-220
Book / Page	34485 / 220
Instrument Date	Aug 12, 2020
Instrument	37674
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount 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	125 VARNUM RD, DRACUT, MA 01826-3025
Investor	Possibly a Property Investor

Mortgage

Document Number	37675
Date	Aug 12, 2020
Instrument	37675

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record

May 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DRACUT MA
Recording Date	May 30, 2019
Property Address	125 VARNUM RD, DRACUT, MA 01826-3025
Document Number	33015-234
Book / Page	033015 / 000234
Instrument Date	May 23, 2019
Instrument	20574
Transaction Type	Transfer
Record Updated	Jun 18, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,439.60
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	125 VARNUM RD DRACUT MA 018263025, DRACUT, MA 01826-3025

Mortgage

Document Number	33015-237
Date	May 30, 2019
Book Page	033015/000237
Instrument	20575

Lender

Name	QUAD CTY BK&TR
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 29, 2049

Tax Assessment & Valuation

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	$7,891.00 (+2.48%)	$816,000 (+7.24%) Land $228,300 Building $587,700	$742,330 (-)
2025	$7,700.00 (+3.84%)	$760,900 (+7.23%) Land $209,400 Building $551,500	$742,330 (+5.3%)
2024	$7,415.00 (+3.22%)	$709,600 (+14.38%) Land $199,400 Building $510,200	$704,995
2023	$7,184.00	$620,400 Land $173,400 Building $447,000

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

Flood

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

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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