15 4th St, Dracut, MA 01826 Property Records

Middlesex County and Dracut Town property record for 15 4th St, Dracut, MA 01826

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,242 sqft · built 1983
Lot Size	0.331 acres (14,400 sqft)
Owner	2 Individual Names on Record
Last Sale	$440,000 (Jun 2023)
Tax Bill	$4,725 (2026)
Deeds & Mortgages	Feb 2026 Mortgage Dec 2024 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`DRAC M:10 L:134`

Property Details

APN / Parcel Number

Primary APN	`DRAC M:10 L:134`
Alternative APNs	`M:0010 B:0000 L:0134` `627303`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,242 sqft Living Area
Gross Area	1,598 sqft
1st Floor Area	1,242 sqft

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,400 sqft (0.331 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Account Number	627303
Street Address	15 4TH ST
City	DRACUT
State	MA
Zip	01826-1039
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Lot Number	134
Jurisdiction	DRACUT MA
Township / Civil Division	DRACUT
Census Block Group	2
Census Block	2002
Census Tract	314101

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	15 4TH ST, DRACUT, MA 01826-1039
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Feb 13, 2026	Deed of Trust, Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Dec 2, 2024	Deed of Trust, Mortgage · FHA Mortgage NEWREZ LLC
Oct 4, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance US BANK NA
Jun 30, 2023	Quit Claim Deed, Transfer · FHA Mortgage HOMESTEAD FUNDING CORP
Oct 4, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance US BANK NA
Oct 17, 2018	Deed of Trust, Mortgage · FHA Mortgage BAYCOAST MORTGAGE CO
Oct 8, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 30, 2023 · Amount on Record
Deed Sale	Jun 30, 2023 · Amount on Record
Prior Sale	Jan 28, 2013 · Amount on Record
Deed Book / Page	37927 / 290
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DRACUT MA
Property Address	15 4TH ST, DRACUT, MA 01826-1039
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039859-194
Date	Feb 13, 2026
Book Page	39859/194
Instrument	4366

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Amount	Amount Recorded

December 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DRACUT MA
Property Address	15 4TH ST, DRACUT, MA 01826-1039
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	038932-220
Date	Dec 2, 2024
Book Page	38932/220
Instrument	37834

Lender

Name	NEWREZ LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2055

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DRACUT MA
Property Address	15 4TH ST, DRACUT, MA 01826-1039
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0036340-50
Date	Oct 4, 2021
Book Page	36340/50
Instrument	58228

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

June 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DRACUT MA
Recording Date	Jun 30, 2023
Property Address	15 4TH ST, DRACUT, MA 01826-1039
Document Number	037927-290
Book / Page	37927 / 290
Instrument Date	Jun 30, 2023
Instrument	18978
Transaction Type	Transfer
Record Updated	Jul 19, 2023

Transaction

Amount	Amount Recorded
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
Relationship	Tenants by the Entirety
Address	21 PEARL ST # UT20, UT20, DRACUT, MA 01826-3237

Mortgage

Document Number	0000018979
Date	Jun 30, 2023
Instrument	18979

Lender

Name	HOMESTEAD FUNDING CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DRACUT MA
Property Address	15 4TH ST, DRACUT, MA 01826-1039
Transaction Type	Mortgage
Record Updated	Oct 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36340-50
Date	Oct 4, 2021
Book Page	36340/50
Instrument	58228

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DRACUT MA
Property Address	15 4TH ST, DRACUT, MA 01826-1039
Transaction Type	Mortgage
Record Updated	Mar 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	32492-89
Date	Oct 17, 2018
Book Page	32492/89
Instrument	45501

Lender

Name	BAYCOAST MORTGAGE CO

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2048

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DRACUT MA
Property Address	15 4TH ST, DRACUT, MA 01826-1039
Transaction Type	Mortgage
Record Updated	Mar 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	33431-279
Date	Oct 8, 2019
Book Page	33431/279
Instrument	43827

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 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	$4,725.00 (+3.48%)	$488,600 (+8.29%) Land $205,400 Building $283,200	$448,875 (-)
2025	$4,566.00 (+0.26%)	$451,200 (+3.53%) Land $188,400 Building $262,800	$448,875 (-0.36%)
2024	$4,554.00 (+18.75%)	$435,800 (+31.58%) Land $179,500 Building $256,300	$450,490
2023	$3,835.00	$331,200 Land $156,000 Building $175,200

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Fidium Fiber, T-Mobile, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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