14 Payton St, Dracut, MA 01826 Property Records

Middlesex County and Dracut Town property record for 14 Payton St, Dracut, MA 01826

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 970 sqft · built 1961
Lot Size	0.309 acres (13,462 sqft)
Owner	Individual Name on File
Last Sale	$550,000 (Feb 2025)
Tax Bill	$5,321 (2026)
Deeds & Mortgages	Jan 2021 Refinance Nov 2022 Refinance + 4 more
Flood Zone	Zone X (minimal risk)
APN	`DRAC M:16 L:140`

Property Details

APN / Parcel Number

Primary APN	`DRAC M:16 L:140`
Alternative APNs	`M:0016 B:0000 L:0140` `377115`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	970 sqft Living Area
Gross Area	2,674 sqft
1st Floor Area	970 sqft
Basement Area	960 sqft
Unfinished Basement	960 sqft

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,462 sqft (0.309 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	377115
Street Address	14 PAYTON ST
City	DRACUT
State	MA
Zip	01826-2321
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Lot Number	140
Jurisdiction	DRACUT MA
Township / Civil Division	DRACUT
Census Block Group	4
Census Block	4021
Census Tract	314102

Owner

14 Payton St is owned and occupied by an individual who bought it in February 2025.

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

Owner of Record	Individual Name on File
Mailing Address	14 PAYTON ST, DRACUT, MA 01826-2321
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

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
Jan 21, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NATIONSTAR MORTGAGE LLC
Nov 28, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance ARMED FORCES BANK NA
Dec 15, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance ARMED FORCES BANK
Jul 18, 2019	Deed of Trust, Mortgage · VA Mortgage NATIONSTAR MORTGAGE LLC
Apr 21, 2020	Deed of Trust, Mortgage · VA Mortgage NATIONSTAR MORTGAGE LLC
Nov 29, 2017	Quit Claim Deed, Transfer · VA Mortgage NEW FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 7, 2025 · Amount on File
Deed Sale	Feb 7, 2025 · Amount on File
Prior Sale	Nov 29, 2017 · Amount on File
Deed Book / Page	39058 / 182
Prior Transfer Date	Feb 6, 2025
Prior Transfer Doc	039058-182
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DRACUT MA
Property Address	14 PAYTON ST, DRACUT, MA 01826-2321
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	035222-149
Date	Jan 21, 2021
Book Page	35222/149
Instrument	3874

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company

Agreement

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

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DRACUT MA
Property Address	14 PAYTON ST, DRACUT, MA 01826-2321
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	037533-213
Date	Nov 28, 2022
Book Page	37533/213
Instrument	48078

Lender

Name	ARMED FORCES BANK NA

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2052

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DRACUT MA
Property Address	14 PAYTON ST, DRACUT, MA 01826-2321
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0038238-92
Date	Dec 15, 2023
Book Page	38238/92
Instrument	37065

Lender

Name	ARMED FORCES BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	373 Months
Due	Jan 1, 2055

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DRACUT MA
Property Address	14 PAYTON ST, DRACUT, MA 01826-2321
Transaction Type	Mortgage
Record Updated	Mar 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	33161-223
Date	Jul 18, 2019
Book Page	33161/223
Instrument	28985

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DRACUT MA
Property Address	14 PAYTON ST, DRACUT, MA 01826-2321
Transaction Type	Mortgage
Record Updated	Mar 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	34036-129
Date	Apr 21, 2020
Book Page	34036/129
Instrument	16626

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DRACUT MA
Recording Date	Nov 29, 2017
Property Address	14 PAYTON ST, DRACUT, MA 01826-2321
Document Number	31682-225
Book / Page	31682 / 225
Instrument	53528
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$37.70
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14 PAYTON ST, DRACUT, MA 01826-2321

Mortgage

Document Number	316820228
Date	Nov 29, 2017
Instrument	31682/0228

Lender

Name	NEW FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 29, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 14 Payton St was $5,321, 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	$5,321.00 (+3.42%)	$550,300 (+8.24%) Land $214,800 Building $335,500	$519,745 (-)
2025	$5,145.00 (+0.18%)	$508,400 (+3.44%) Land $197,000 Building $311,400	$519,745 (+13.53%)
2024	$5,136.00 (+4.45%)	$491,500 (+15.76%) Land $187,600 Building $303,900	$457,805
2023	$4,917.00	$424,600 Land $163,200 Building $261,400

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

Flood

FEMA maps place 14 Payton St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2006.

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
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2006)
Most Recent Claim	May 2006 · Severe Storms And 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 14 Payton St 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 294 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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