15 Bernard Rd, Dracut, MA 01826 Property Records

Middlesex County and Dracut Town property record for 15 Bernard Rd, Dracut, MA 01826

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,176 sqft · built 1975
Lot Size	1.26 acres (54,886 sqft)
Owner	2 Individual Names on File
Last Sale	$310,000 (Oct 2003)
Tax Bill	$6,012 (2026)
Deeds & Mortgages	Mar 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`DRAC M:22 L:11`

Property Details

APN / Parcel Number

Primary APN	`DRAC M:22 L:11`
Alternative APNs	`M:0022 B:0000 L:0011` `726916`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,176 sqft Living Area
Gross Area	4,340 sqft
1st Floor Area	1,326 sqft
Basement Area	1,326 sqft
Unfinished Basement	1,326 sqft

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	54,886 sqft (1.26 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	726916
Street Address	15 BERNARD RD
City	DRACUT
State	MA
Zip	01826-4201
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Lot Number	11
Jurisdiction	DRACUT MA
Township / Civil Division	DRACUT
Census Block Group	2
Census Block	2007
Census Tract	314302

Owner

15 Bernard Rd is owned and occupied by two individuals who bought it in October 2003.

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

Owner of Record	2 Individual Names on File
Mailing Address	15 BERNARD RD, DRACUT, MA 01826-4201
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 10, 2003 · Amount on File
Deed Sale	Oct 10, 2003 · Amount on File
Deed Document Number	2003122625
Deed Book / Page	16367 / 132
Record Updated	Oct 29, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DRACUT MA
Property Address	15 BERNARD RD, DRACUT, MA 01826-4201
Transaction Type	Mortgage
Record Updated	Mar 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	33908-163
Date	Mar 11, 2020
Book Page	33908/163
Instrument	10710

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2035

Tax Assessment & Valuation

The 2026 property tax bill for 15 Bernard Rd was $6,012, up 1.7% 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	$6,012.00 (+1.71%)	$621,700 (+6.44%) Land $280,700 Building $341,000	$638,400 (-)
2025	$5,911.00 (+3.56%)	$584,100 (+6.94%) Land $257,600 Building $326,500	$638,400 (+4.07%)
2024	$5,708.00 (+0.14%)	$546,200 (+10.97%) Land $245,500 Building $300,700	$613,415
2023	$5,700.00	$492,200 Land $213,600 Building $278,600

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

Flood

FEMA maps place 15 Bernard Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2001.

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	2 (2001–2006)
Claims Outside the SFHA	2 of 2
Most Recent Claim	May 2006 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, May 2006 · 2 claims

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 15 Bernard 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	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	KENWOOD WATER DISTRICT serves 9,620 people · EPA ID MA3079001
Water Source	Purchased surface water from several systems
Last State Inspection	Sep 2024
Lead	2 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 78 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