165 Varnum Rd, Dracut, MA 01826 Property Records

Middlesex County and Dracut Town property record for 165 Varnum Rd, Dracut, MA 01826

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,069 sqft · built 1950
Lot Size	2.41 acres (104,980 sqft)
Owner	Individual Name on File
Last Sale	$200,000 (Aug 1999)
Tax Bill	$5,650 (2026)
Deeds & Mortgages	Apr 2025 Reverse Mortgage Apr 2025 Reverse Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`DRAC M:24 L:193`

Property Details

APN / Parcel Number

Primary APN	`DRAC M:24 L:193`
Alternative APNs	`M:0024 B:0000 L:0193` `376805`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,069 sqft Living Area
Gross Area	3,682 sqft
1st Floor Area	1,531 sqft
Basement Area	825 sqft
Unfinished Basement	825 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	104,980 sqft (2.41 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	376805
Street Address	165 VARNUM RD
City	DRACUT
State	MA
Zip	01826-3027
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Subdivision	SUDBURY PLACE
Legal Lot Number	193
Jurisdiction	DRACUT MA
Township / Civil Division	DRACUT
Census Block Group	3
Census Block	3001
Census Tract	314101

Owner

165 Varnum Rd is owned and occupied by an individual who acquired it in November 2024.

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

Owner of Record	Individual Name on File
Mailing Address	165 VARNUM RD, DRACUT, MA 01826-3027
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
Apr 3, 2025	Deed of Trust, Mortgage · Reverse Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Apr 3, 2025	Deed of Trust, Mortgage · Reverse Mortgage FINANCE AMERICA LLC
Feb 28, 2019	Quit Claim Deed, Transfer · Stand-Alone Refinance NATIONSTAR MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 16, 1999 · Amount on File
Deed Sale	Aug 16, 1999 · Amount on File
Deed Book / Page	10348 / 173
Last Transfer Date	Nov 8, 2024
Transfer Doc	0038885-23
Record Updated	Oct 29, 2026

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DRACUT MA
Property Address	165 VARNUM RD, DRACUT, MA 01826-3027
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039165-274
Date	Apr 3, 2025
Book Page	39165/274
Instrument	9705

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	865 Months
Due	May 1, 2097

Interest

Rate Type	Adjustable Rate
Rate	6.36%
Type Change Date	May 1, 2025
Index	Other

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DRACUT MA
Property Address	165 VARNUM RD, DRACUT, MA 01826-3027
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039165-257
Date	Apr 3, 2025
Book Page	39165/257
Instrument	9704

Lender

Name	FINANCE AMERICA LLC
Type	Subprime Lender

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	865 Months
Due	May 1, 2097

Interest

Rate Type	Adjustable Rate
Rate	6.36%
Type Change Date	May 1, 2025
Index	Other

February 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DRACUT MA
Recording Date	Feb 28, 2019
Property Address	165 VARNUM RD, DRACUT, MA 01826-3027
Document Number	32796-194
Book / Page	32796 / 194
Instrument Date	Feb 22, 2019
Instrument	7457
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	165 VARNUM RD, DRACUT, MA 01826-3027

Mortgage

Document Number	32796-198
Date	Feb 28, 2019
Book Page	32796/198
Instrument	7458

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 165 Varnum Rd was $5,650, up 5.1% 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	$5,650.00 (+5.14%)	$584,300 (+10.04%) Land $259,400 Building $324,900	$570,475 (-)
2025	$5,374.00 (+3.59%)	$531,000 (+6.95%) Land $238,100 Building $292,900	$570,475 (-6.74%)
2024	$5,188.00 (+3.64%)	$496,500 (+14.85%) Land $226,900 Building $269,600	$611,705
2023	$5,006.00	$432,300 Land $197,400 Building $234,900

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

Flood

FEMA maps place 165 Varnum Rd in Zone X, an area of minimal flood risk, within 100 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 A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 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

Wildfire risk around 165 Varnum 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	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

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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