Middlesex County and Dracut Town property record for 19 Stephen Ave, Dracut, MA 01826
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 2,230 sqft · built 1958 |
| Lot Size | 0.32 acres (13,939 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $315,000 (Mar 2004) |
| Tax Bill | $6,388 (2026) |
| Deeds & Mortgages | Sep 2023 Mortgage Sep 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | DRAC M:18 L:64 |
| Primary APN | DRAC M:18 L:64 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,230 sqft Living Area |
| Gross Area | 4,120 sqft |
| 1st Floor Area | 1,618 sqft |
| Basement Area | 816 sqft |
| Unfinished Basement | 816 sqft |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1958 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 13,939 sqft (0.32 acres) |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 735814 |
|---|---|
| Street Address | 19 STEPHEN AVE |
| City | DRACUT |
| State | MA |
| Zip | 01826-1332 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Lot Number | 64 |
| Jurisdiction | DRACUT MA |
| Township / Civil Division | DRACUT |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 314200 |
19 Stephen Ave is owned and occupied by two individuals who bought it in March 2004.
Source: Middlesex County and Dracut Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 19 STEPHEN AVE, DRACUT, MA 01826-1332 |
| 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.
| Date | Document |
|---|---|
| Sep 15, 2023 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) ROCKET MORTGAGE |
| Sep 10, 2020 | Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 31, 2004 · Amount on File |
| Deed Sale | Mar 31, 2004 · Amount on File |
| Deed Document Number | 2004223487 |
| Deed Book / Page | 189 / 53 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DRACUT MA |
| Property Address | 19 STEPHEN AVE, DRACUT, MA 01826-1332 |
| Transaction Type | Mortgage |
| Record Updated | Sep 29, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000321122 |
|---|---|
| Date | Sep 15, 2023 |
| Instrument | 321122 |
| Name | ROCKET MORTGAGE |
|---|
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Oct 1, 2043 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DRACUT MA |
| Property Address | 19 STEPHEN AVE, DRACUT, MA 01826-1332 |
| Document Number | 0000307013 |
| Instrument Date | Sep 10, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 6, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 19 STEPHEN AVE DRACUT MA 018261332, DRACUT, MA 01826-1332 |
| Document Number | 0000307013 |
|---|---|
| Date | Sep 17, 2020 |
| Instrument | 307013 |
| Name | NATIONSTAR MTG |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 16, 2050 |
The 2026 property tax bill for 19 Stephen Ave was $6,388, up 5.4% from the year before.
Source: Middlesex County and Dracut Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Dracut Town |
| Unified School District | Dracut School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,388.00 (+5.45%) | $660,600 (+10.36%) Land $215,500 Building $445,100 | $666,045 (-) |
| 2025 | $6,058.00 (+3.89%) | $598,600 (+7.28%) Land $197,700 Building $400,900 | $666,045 (+4.42%) |
| 2024 | $5,831.00 (+3.77%) | $558,000 (+15%) Land $188,300 Building $369,700 | $637,830 |
| 2023 | $5,619.00 | $485,200 Land $163,700 Building $321,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 19 Stephen Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1978.
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 |
| Flood Insurance Cost | Premium on File median of 11 policies |
| Nearby Flood Policies | 11 in force |
| Nearby Flood Claims | 2 (1978–1979) |
| Most Recent Claim | Jan 1979 · rainfall accumulation |
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.
The area around 19 Stephen Ave has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 133 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
May also be available: Verizon.
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