18 Bernard Rd, Dracut, MA 01826 Property Records

Middlesex County and Dracut Town property record for 18 Bernard Rd, Dracut, MA 01826

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,220 sqft · built 1975
Lot Size	0.961 acres (41,851 sqft)
Owner	2 Individual Names on Record
Last Sale	$716,000 (Jun 2023)
Tax Bill	$6,163 (2026)
Deeds & Mortgages	Jun 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`DRAC M:22 L:25`

Property Details

APN / Parcel Number

Primary APN	`DRAC M:22 L:25`
Alternative APNs	`M:0022 B:0000 L:0025` `474601`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,220 sqft Living Area
Gross Area	3,836 sqft
1st Floor Area	1,404 sqft
Basement Area	816 sqft
Unfinished Basement	816 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	41,851 sqft (0.961 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	474601
Street Address	18 BERNARD RD
City	DRACUT
State	MA
Zip	01826-4202
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Lot Number	25
Jurisdiction	DRACUT MA
Township / Civil Division	DRACUT
Census Block Group	2
Census Block	2007
Census Tract	314302

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	18 BERNARD RD, DRACUT, MA 01826-4202
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 15, 2023 · Amount on Record
Deed Sale	Jun 15, 2023 · Amount on Record
Prior Sale	May 27, 1988 · Amount on Record
Deed Document Number	202316836
Deed Book / Page	37890 / 202
Record Updated	Oct 29, 2026

June 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DRACUT MA
Recording Date	Jun 15, 2023
Property Address	18 BERNARD RD, DRACUT, MA 01826-4202
Document Number	037890-202
Book / Page	37890 / 202
Instrument Date	Jun 15, 2023
Instrument	16836
Transaction Type	Transfer
Record Updated	Jul 3, 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	Joint Tenants with Right of Survivorship
Address	8 BERNARD RD, DRACUT, MA 01826-4202

Mortgage

Document Number	0000016837
Date	Jun 15, 2023
Instrument	16837

Lender

Name	READING COOPERATIVE BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	5.63%
Type Change Date	Jul 1, 2030
Max Rate At Change	2.75%
Index	1-Year CMT

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	$6,163.00 (+1.57%)	$637,300 (+6.29%) Land $276,400 Building $360,900	$762,185 (-)
2025	$6,068.00 (+4.24%)	$599,600 (+7.65%) Land $253,600 Building $346,000	$762,185 (+5.27%)
2024	$5,821.00 (+0.43%)	$557,000 (+11.29%) Land $241,600 Building $315,400	$723,995
2023	$5,796.00	$500,500 Land $210,200 Building $290,300

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	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

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