24 Stephen Ave, Dracut, MA 01826 Property Records

Middlesex County and Dracut Town property record for 24 Stephen Ave, Dracut, MA 01826

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 960 sqft · built 1958
Lot Size	0.265 acres (11,539 sqft)
Owner	2 Individual Names on Record
Last Sale	$332,000 (Sep 2019)
Tax Bill	$4,769 (2026)
Deeds & Mortgages	Jan 2024 Refinance Jan 2021 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`DRAC M:18 L:72`

Property Details

APN / Parcel Number

Primary APN	`DRAC M:18 L:72`
Alternative APNs	`M:0018 B:0000 L:0072` `53807`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	960 sqft Living Area
Gross Area	2,468 sqft
1st Floor Area	960 sqft
Basement Area	960 sqft
Unfinished Basement	960 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,539 sqft (0.265 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	53807
Street Address	24 STEPHEN AVE
City	DRACUT
State	MA
Zip	01826-1333
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Lot Number	72
Jurisdiction	DRACUT MA
Township / Civil Division	DRACUT
Census Block Group	3
Census Block	3004
Census Tract	314200

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	24 STEPHEN AVE, DRACUT, MA 01826-1333
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 5, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance US BANK NA
Jan 21, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NORTHERN BANK & TRUST CO
Jan 21, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NORTHERN BANK & TRUST CO
Sep 30, 2019	Quit Claim Deed, Transfer · Conventional with PMI NORTHERN BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2019 · Amount on Record
Deed Sale	Sep 30, 2019 · Amount on Record
Prior Sale	Jul 31, 2012 · Amount on Record
Deed Document Number	2019302315
Prior Transfer Date	Sep 21, 2019
Prior Transfer Doc	302315
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DRACUT MA
Property Address	24 STEPHEN AVE, DRACUT, MA 01826-1333
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000322064
Date	Jan 5, 2024
Instrument	322064

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	349 Months
Due	Feb 1, 2053

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DRACUT MA
Property Address	24 STEPHEN AVE, DRACUT, MA 01826-1333
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000309090
Date	Jan 21, 2021
Instrument	309090

Lender

Name	NORTHERN BANK & TRUST CO
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DRACUT MA
Property Address	24 STEPHEN AVE, DRACUT, MA 01826-1333
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	309090
Date	Jan 21, 2021
Instrument	309090

Lender

Name	NORTHERN BANK & TRUST CO
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DRACUT MA
Recording Date	Sep 30, 2019
Property Address	24 STEPHEN AVE, DRACUT, MA 01826-1333
Document Number	0000302315
Instrument Date	Sep 21, 2019
Instrument	302315
Transaction Type	Transfer
Record Updated	Oct 15, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,513.92
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	24 STEPHEN AVE DRACUT MA 018261333, DRACUT, MA 01826-1333

Mortgage

Document Number	302316
Date	Sep 30, 2019
Instrument	302316

Lender

Name	NORTHERN BK
Type	Bank

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 29, 2049

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	$4,769.00 (+3.25%)	$493,200 (+8.06%) Land $211,900 Building $281,300	$461,130 (-)
2025	$4,619.00 (+5.34%)	$456,400 (+8.77%) Land $194,400 Building $262,000	$461,130 (+5.13%)
2024	$4,385.00 (+4.18%)	$419,600 (+15.43%) Land $185,100 Building $234,500	$438,615
2023	$4,209.00	$363,500 Land $160,900 Building $202,600

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
Flood Insurance Cost	Premium on Record 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.

Wildfire

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.

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 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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