20 Concord Rd, Dracut, MA 01826 Property Records

Middlesex County and Dracut Town property record for 20 Concord Rd, Dracut, MA 01826

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,228 sqft · built 1988
Lot Size	0.918 acres (40,000 sqft)
Owner	Individual Name on Record
Last Sale	$780,000 (Feb 2022)
Tax Bill	$8,692 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Feb 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`931602`

Property Details

APN / Parcel Number

Primary APN	`931602`
Alternative APNs	`DRAC M:4 B:15 L:1.29` `M:0004 B:0015 L:1.29`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,228 sqft Living Area
Gross Area	6,188 sqft
1st Floor Area	1,596 sqft
Basement Area	1,020 sqft
Unfinished Basement	1,020 sqft

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	40,000 sqft (0.918 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	931602
Street Address	20 CONCORD RD
City	DRACUT
State	MA
Zip	01826-1684
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	15
Legal Lot Number	1.29
Jurisdiction	DRACUT MA
Township / Civil Division	DRACUT
Census Block Group	1
Census Block	1014
Census Tract	314302

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	20 CONCORD RD, DRACUT, MA 01826-1684
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Oct 9, 2025	Deed of Trust, Mortgage BELLWETHER COMMUNITY CREDIT UNION
Feb 18, 2022	Quit Claim Deed, Transfer · FHA Mortgage CMG MORTGAGE INC
Jul 7, 2021	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 18, 2022 · Amount on Record
Deed Sale	Feb 18, 2022 · Amount on Record
Prior Sale	Mar 1, 1996 · Amount on Record
Deed Document Number	20227796
Deed Book / Page	36827 / 64
Prior Transfer Date	Jun 10, 2021
Prior Transfer Doc	035972-243
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DRACUT MA
Property Address	20 CONCORD RD, DRACUT, MA 01826-1684
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039580-188
Date	Oct 9, 2025
Book Page	39580/188
Instrument	32254

Lender

Name	BELLWETHER COMMUNITY CREDIT UNION

Agreement

Amount	Amount Recorded
Term	301 Months
Due	Nov 1, 2050

February 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DRACUT MA
Recording Date	Feb 18, 2022
Property Address	20 CONCORD RD, DRACUT, MA 01826-1684
Document Number	0036827-64
Book / Page	36827 / 64
Instrument Date	Feb 18, 2022
Instrument	7796
Transaction Type	Transfer
Record Updated	Mar 4, 2022

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	Tenants by the Entirety
Address	20 CONCORD RD, DRACUT, MA 01826-1684

Mortgage

Document Number	0000007797
Date	Feb 18, 2022
Instrument	7797

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

July 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DRACUT MA
Recording Date	Jul 7, 2021
Property Address	20 CONCORD RD, DRACUT, MA 01826-1684
Document Number	035972-243
Book / Page	35972 / 243
Instrument Date	Jun 10, 2021
Instrument	40018
Transaction Type	Transfer
Record Updated	Jan 17, 2022

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	20 CONCORD RD, DRACUT, MA 01826-1684

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
2025	$8,692.00 (+2.79%)	$858,900 (+6.14%) Land $251,600 Building $607,300	$896,325 (+3.07%)
2024	$8,456.00 (+3.13%)	$809,200 (+14.29%) Land $239,700 Building $569,500	$869,630
2023	$8,199.00	$708,000 Land $208,500 Building $499,500

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 98 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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