2 Overlook Ter, Dracut, MA 01826 Property Records

Middlesex County and Dracut Town property record for 2 Overlook Ter, Dracut, MA 01826

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,625 sqft · built 1973
Lot Size	0.496 acres (21,603 sqft)
Owner	Individual Name on Record
Last Sale	$364,900 (Dec 2016)
Tax Bill	$6,138 (2026)
Deeds & Mortgages	Aug 2024 Refinance Dec 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`DRAC M:24 L:80`

Property Details

APN / Parcel Number

Primary APN	`DRAC M:24 L:80`
Alternative APNs	`M:0024 B:0000 L:0080` `128011`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,625 sqft Living Area
Gross Area	4,237 sqft
1st Floor Area	1,266 sqft
Attic	Attic
Attic Area	1,026 sqft
Basement Area	1,026 sqft
Unfinished Basement	1,026 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	21,603 sqft (0.496 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	128011
Street Address	2 OVERLOOK TER
City	DRACUT
State	MA
Zip	01826-2028
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Lot Number	80
Jurisdiction	DRACUT MA
Township / Civil Division	DRACUT
Census Block Group	1
Census Block	1026
Census Tract	314101

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	2 OVERLOOK TER, DRACUT, MA 01826-2028
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Aug 27, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance TOP FLITE FINANCIAL INC
Dec 22, 2025	Deed of Trust, Mortgage · Conventional Mortgage LEADER BANK NA
Oct 13, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 9, 2016 · Amount on Record
Deed Sale	Dec 9, 2016 · Amount on Record
Prior Sale	Aug 4, 2016 · Amount on Record
Deed Book / Page	30736 / 60
Transfer Doc	0030736-60
Record Updated	Oct 29, 2026

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DRACUT MA
Property Address	2 OVERLOOK TER, DRACUT, MA 01826-2028
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	038711-109
Date	Aug 27, 2024
Book Page	38711/109
Instrument	25818

Lender

Name	TOP FLITE FINANCIAL INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	481 Months
Due	Sep 1, 2064

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DRACUT MA
Property Address	2 OVERLOOK TER, DRACUT, MA 01826-2028
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039757-268
Date	Dec 22, 2025
Book Page	39757/268
Instrument	41543

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Jan 1, 2055

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DRACUT MA
Property Address	2 OVERLOOK TER, DRACUT, MA 01826-2028
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	034752-203
Date	Oct 13, 2020
Book Page	34752/203
Instrument	50566

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

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	$6,138.00 (+3.77%)	$634,700 (+8.59%) Land $227,000 Building $407,700	$563,635 (-)
2025	$5,915.00 (+4.39%)	$584,500 (+7.8%) Land $208,300 Building $376,200	$563,635
2024	$5,666.00 (+3.6%)	$542,200 (+14.8%) Land $198,300 Building $343,900
2023	$5,469.00	$472,300 Land $172,500 Building $299,800

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	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

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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