20 Stevens St, Dracut, MA 01826 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,053 sqft · built 1948
Lot Size	0.376 acres (16,380 sqft)
Owner	Individual Name on File
Last Sale	$475,000 (Apr 2022)
Tax Bill	$5,061 (2026)
Deeds & Mortgages	Apr 2022 Sale & Mortgage Mar 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`DRAC M:46 L:80`

Property Details

APN / Parcel Number

Primary APN	`DRAC M:46 L:80`
Alternative APNs	`M:0046 B:0000 L:0080` `739700`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,053 sqft Living Area
Gross Area	2,340 sqft
1st Floor Area	780 sqft
Attic	Attic
Attic Area	780 sqft
Basement Area	780 sqft
Unfinished Basement	780 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	16,380 sqft (0.376 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Account Number	739700
Street Address	20 STEVENS ST
City	DRACUT
State	MA
Zip	01826-3620
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	2
Census Block	2005
Census Tract	314200

Owner

20 Stevens St is owned and occupied by an individual who bought it in April 2022.

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

Owner of Record	Individual Name on File
Mailing Address	20 STEVENS ST, DRACUT, MA 01826-3620
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Apr 11, 2022	Quit Claim Deed, Transfer · FHA Mortgage LEADER BANK NA
Mar 15, 2017	Deed of Trust, Mortgage RANDOLPH SAVINGS BANK
Jul 9, 2018	Quit Claim Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 11, 2022 · Amount on File
Deed Sale	Apr 11, 2022 · Amount on File
Prior Sale	Jul 9, 2018 · Amount on File
Deed Document Number	202215540
Deed Book / Page	36968 / 28
Record Updated	Oct 29, 2026

April 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DRACUT MA
Recording Date	Apr 11, 2022
Property Address	20 STEVENS ST, DRACUT, MA 01826-3620
Document Number	0036968-28
Book / Page	36968 / 28
Instrument Date	Apr 11, 2022
Instrument	15540
Transaction Type	Transfer
Record Updated	Apr 29, 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	Joint Tenants with Right of Survivorship
Address	20 STEVENS ST, DRACUT, MA 01826-3620

Mortgage

Document Number	0000015541
Date	Apr 11, 2022
Instrument	15541

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DRACUT MA
Property Address	20 STEVENS ST, DRACUT, MA 01826-3620
Transaction Type	Mortgage
Record Updated	Mar 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	30971-153
Date	Mar 15, 2017
Book Page	30971/153
Instrument	10552

Lender

Name	RANDOLPH SAVINGS BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	12 Months
Due	Mar 1, 2018

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DRACUT MA
Recording Date	Jul 9, 2018
Property Address	20 STEVENS ST, DRACUT, MA 01826-3620
Document Number	32225-258
Book / Page	32225 / 258
Instrument	28923
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$28.92
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	20 STEVENS ST, DRACUT, MA 01826-3620

Mortgage

Document Number	322250261
Date	Jul 9, 2018
Instrument	32225/0261

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 9, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 20 Stevens St was $5,061, up 3.8% 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	$5,061.00 (+3.77%)	$523,400 (+8.61%) Land $219,300 Building $304,100	$509,200 (-)
2025	$4,877.00 (+4.1%)	$481,900 (+7.49%) Land $201,100 Building $280,800	$509,200 (+1.46%)
2024	$4,685.00 (+3.49%)	$448,300 (+14.68%) Land $191,500 Building $256,800	$501,885
2023	$4,527.00	$390,900 Land $166,600 Building $224,300

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

Flood

FEMA maps place 20 Stevens St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1979.

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	8 in force
Nearby Flood Claims	3 (1979–2006)
Claims Outside the SFHA	1 of 3
Most Recent Claim	May 2006 · Severe Storms And 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 20 Stevens St is low, with less than 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 95% of the US · lower than 90% 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 169 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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