19 Charles St, Dracut, MA 01826 Property Records

Middlesex County and Dracut Town property record for 19 Charles St, Dracut, MA 01826

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,172 sqft · built 1955
Lot Size	0.244 acres (10,650 sqft)
Owner	Individual Name on File
Last Sale	$515,000 (May 2022)
Tax Bill	$4,638 (2026)
Deeds & Mortgages	May 2022 Sale & Mortgage Nov 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`DRAC M:24 L:175`

Property Details

APN / Parcel Number

Primary APN	`DRAC M:24 L:175`
Alternative APNs	`M:0024 B:0000 L:0175` `478622`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,172 sqft Living Area
Gross Area	3,279 sqft
1st Floor Area	868 sqft
Attic	Attic
Attic Area	868 sqft
Basement Area	588 sqft
Unfinished Basement	588 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,650 sqft (0.244 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	478622
Street Address	19 CHARLES ST
City	DRACUT
State	MA
Zip	01826-3015
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Lot Number	175
Jurisdiction	DRACUT MA
Township / Civil Division	DRACUT
Census Block Group	1
Census Block	1010
Census Tract	314101

Owner

19 Charles St is owned and occupied by an individual who bought it in May 2022.

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

Owner of Record	Individual Name on File
Mailing Address	19 CHARLES ST, DRACUT, MA 01826-3015
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

Date	Document
May 31, 2022	Quit Claim Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE INC
Nov 16, 2017	Deed of Trust, Mortgage UNITED WHOLESALE MORTGAGE
Oct 27, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 31, 2022 · Amount on File
Deed Sale	May 31, 2022 · Amount on File
Prior Sale	Jun 18, 2014 · Amount on File
Deed Book / Page	37108 / 229
Record Updated	Oct 29, 2026

May 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DRACUT MA
Recording Date	May 31, 2022
Property Address	19 CHARLES ST, DRACUT, MA 01826-3015
Document Number	037108-229
Book / Page	37108 / 229
Instrument Date	May 31, 2022
Instrument	23224
Transaction Type	Transfer
Record Updated	Jun 17, 2022

Transaction

Amount	Amount on Record
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	19 CHARLES ST, DRACUT, MA 01826-3015

Mortgage

Document Number	0000023225
Date	May 31, 2022
Instrument	23225

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DRACUT MA
Property Address	19 CHARLES ST, DRACUT, MA 01826-3015
Transaction Type	Mortgage
Record Updated	Mar 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	31648-53
Date	Nov 16, 2017
Book Page	31648/53
Instrument	51487

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2047

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DRACUT MA
Property Address	19 CHARLES ST, DRACUT, MA 01826-3015
Transaction Type	Mortgage
Record Updated	Mar 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	34822-1
Date	Oct 27, 2020
Book Page	34822/1
Instrument	53969

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2035

Tax Assessment & Valuation

The 2026 property tax bill for 19 Charles St was $4,638, up 3.9% 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	$4,638.00 (+3.9%)	$479,600 (+8.73%) Land $210,500 Building $269,100	$499,130 (-)
2025	$4,464.00 (+3.6%)	$441,100 (+6.99%) Land $193,100 Building $248,000	$499,130 (-1.18%)
2024	$4,309.00 (-0.85%)	$412,300 (+9.86%) Land $183,900 Building $228,400	$505,115
2023	$4,346.00	$375,300 Land $159,900 Building $215,400

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

Flood

FEMA maps place 19 Charles St in Zone X, an area of minimal flood risk, within 500 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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2014)
Most Recent Claim	Mar 2014 · river or lake 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 19 Charles 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 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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