13 Denby Ave, Dracut, MA 01826 Property Records

Middlesex County and Dracut Town property record for 13 Denby Ave, Dracut, MA 01826

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,488 sqft · built 1978
Lot Size	1.13 acres (49,223 sqft)
Owner	2 Individual Names on File
Last Sale	$400,000 (Aug 2019)
Tax Bill	$6,125 (2026)
Deeds & Mortgages	Nov 2020 Mortgage Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`DRAC M:47 L:12`

Property Details

APN / Parcel Number

Primary APN	`DRAC M:47 L:12`
Alternative APNs	`M:0047 B:0000 L:0012` `845631`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,488 sqft Living Area
Gross Area	4,261 sqft
1st Floor Area	1,368 sqft
Basement Area	1,368 sqft
Unfinished Basement	576 sqft

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Ranch
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	49,223 sqft (1.13 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	845631
Street Address	13 DENBY AVE
City	DRACUT
State	MA
Zip	01826-3705
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Lot Number	12
Jurisdiction	DRACUT MA
Township / Civil Division	DRACUT
Census Block Group	3
Census Block	3008
Census Tract	314200

Owner

13 Denby Ave is owned and occupied by two individuals who bought it in August 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	13 DENBY AVE, DRACUT, MA 01826-3705
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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 17, 2020	Deed of Trust, Mortgage · FHA Mortgage HOMESTEAD FUNDING CORP
Aug 12, 2019	Quit Claim Deed, Transfer · FHA Mortgage HOMESTEAD FUNDING CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 12, 2019 · Amount on File
Deed Sale	Aug 12, 2019 · Amount on File
Deed Document Number	201933453
Deed Book / Page	33241 / 50
Prior Transfer Date	Jun 13, 2019
Prior Transfer Doc	33241-50
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DRACUT MA
Property Address	13 DENBY AVE, DRACUT, MA 01826-3705
Transaction Type	Mortgage
Record Updated	Mar 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	34922-117
Date	Nov 17, 2020
Book Page	34922/117
Instrument	58912

Lender

Name	HOMESTEAD FUNDING CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DRACUT MA
Recording Date	Aug 12, 2019
Property Address	13 DENBY AVE, DRACUT, MA 01826-3705
Document Number	33241-50
Book / Page	33241 / 50
Instrument Date	Jun 13, 2019
Instrument	33453
Transaction Type	Transfer
Record Updated	May 12, 2021

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	13 DENBY AVE, DRACUT, MA 01826-3705

Mortgage

Document Number	33454
Date	Aug 12, 2019
Instrument	33454

Lender

Name	HOMESTEAD FUNDING CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 13 Denby Ave was $6,125, up 3.4% 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	$6,125.00 (+3.43%)	$633,400 (+8.24%) Land $254,300 Building $379,100	$525,350 (-)
2025	$5,922.00 (+0.07%)	$585,200 (+3.34%) Land $233,300 Building $351,900	$525,350 (+2.18%)
2024	$5,918.00 (+4.41%)	$566,300 (+15.69%) Land $222,300 Building $344,000	$514,140
2023	$5,668.00	$489,500 Land $193,400 Building $296,100

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

Flood

FEMA maps place 13 Denby Ave 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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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.

Wildfire

Wildfire risk around 13 Denby Ave is low, with less than 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 94% of the US · lower than 86% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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