20 Mill St, Dracut, MA 01826 Property Records

Middlesex County and Dracut Town property record for 20 Mill St, Dracut, MA 01826

Property Summary

Property Type	Condominium
Details	3 bd · 1.5 ba · 1,144 sqft · built 1886
Lot Size	0.13 acres (5,688 sqft)
Owner	Individual Name on File
Last Sale	$243,000 (Apr 2019)
Tax Bill	$3,954 (2026)
Deeds & Mortgages	Mar 2024 Refinance Nov 2021 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`DRAC M:32 B:78 L:2`

Property Details

APN / Parcel Number

Primary APN	`DRAC M:32 B:78 L:2`
Alternative APNs	`M:0032 B:0078 L:0002` `102851`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,144 sqft Living Area
Gross Area	1,908 sqft
1st Floor Area	572 sqft
Basement Area	572 sqft
Unfinished Basement	572 sqft

Exterior

Year Built	Built 1886
Effective Year Built	Effective 1886
Architectural Style	Condo/Apartment
Exterior Material	Aluminum/Vinyl
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	5,688 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	102851
Street Address	20 MILL ST
City	DRACUT
State	MA
Zip	01826-3226
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Block	78
Legal Lot Number	2
Jurisdiction	DRACUT MA
Township / Civil Division	DRACUT
Census Block Group	3
Census Block	3005
Census Tract	314102

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 File
Mailing Address	20 MILL ST, DRACUT, MA 01826-3226
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 11, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance AMERISAVE MORTGAGE CORP
Nov 15, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance AMERISAVE MORTGAGE CORP
Apr 12, 2019	Condominium Deed, Transfer · Conventional with PMI JEANNE D'ARC CU
Nov 30, 2017	Quit Claim Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 12, 2019 · Amount on File
Deed Sale	Apr 12, 2019 · Amount on File
Prior Sale	Nov 30, 2017 · Amount on File
Deed Document Number	201913295
Deed Book / Page	32891 / 53
Prior Transfer Date	Mar 31, 2019
Prior Transfer Doc	32891-53
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DRACUT MA
Property Address	20 MILL ST, DRACUT, MA 01826-3226
Transaction Type	Mortgage
Record Updated	Mar 29, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00038365-1
Date	Mar 11, 2024
Book Page	38365/1
Instrument	6144

Lender

Name	AMERISAVE MORTGAGE CORP

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Apr 1, 2044

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DRACUT MA
Property Address	20 MILL ST, DRACUT, MA 01826-3226
Transaction Type	Mortgage
Record Updated	Nov 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0036506-49
Date	Nov 15, 2021
Book Page	36506/49
Instrument	66359

Lender

Name	AMERISAVE MORTGAGE CORP

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

April 2019: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	DRACUT MA
Recording Date	Apr 12, 2019
Property Address	20 MILL ST, DRACUT, MA 01826-3226
Document Number	32891-53
Book / Page	032891 / 000053
Instrument Date	Mar 31, 2019
Instrument	13295
Transaction Type	Transfer
Record Updated	Jan 10, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,108.08
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 MILL ST DRACUT MA 018263226, DRACUT, MA 01826-3226

Mortgage

Document Number	32891-56
Date	Apr 12, 2019
Book Page	032891/000056
Instrument	13296

Lender

Name	JEANNE D'ARC CU
Type	Credit Union

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Apr 11, 2049

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DRACUT MA
Recording Date	Nov 30, 2017
Property Address	20 MILL ST, DRACUT, MA 01826-3226
Document Number	31689-144
Book / Page	031689 / 000144
Instrument Date	Nov 9, 2017
Instrument	53941
Transaction Type	Transfer
Record Updated	Jan 3, 2018

Transaction

Amount	Amount on Record
Tax	$513.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 WOOLSACK DR WESTFORD MA 018862645, WESTFORD, MA 01886-2645

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	$3,954.00 (+2.14%)	$408,900 (+6.9%) Building $408,900	$312,360 (-)
2025	$3,871.00 (+7.32%)	$382,500 (+10.81%) Building $382,500	$312,360 (+1.23%)
2024	$3,607.00 (+6.84%)	$345,200 (+18.42%) Building $345,200	$308,560
2023	$3,376.00	$291,500 Building $291,500

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 · 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	1 in force

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 93% of the US · lower than 83% of Massachusetts
Wildfire Likelihood	Under 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 261 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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