Middlesex County and Dracut Town property record for 246 Willard St, Dracut, MA 01826
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,473 sqft · built 1933 |
| Lot Size | 0.297 acres (12,955 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $330,000 (May 2019) |
| Tax Bill | $4,431 (2026) |
| Deeds & Mortgages | Mar 2024 Mortgage Mar 2021 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | DRAC M:52 L:84 |
| Primary APN | DRAC M:52 L:84 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,473 sqft Living Area |
| Gross Area | 2,485 sqft |
| 1st Floor Area | 817 sqft |
| Basement Area | 656 sqft |
| Unfinished Basement | 656 sqft |
| Year Built | Built 1933 |
|---|---|
| Effective Year Built | Effective 1933 |
| Architectural Style | Conventional |
| Exterior Material | Other |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 12,955 sqft (0.297 acres) |
| Deck Area | Deck Area |
| Heating System | Steam |
|---|---|
| Heating Fuel | Gas |
| Account Number | 158808 |
|---|---|
| Street Address | 246 WILLARD ST |
| City | DRACUT |
| State | MA |
| Zip | 01826-5031 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Lot Number | 84 |
| Jurisdiction | DRACUT MA |
| Township / Civil Division | DRACUT |
| Census Block Group | 5 |
| Census Block | 5002 |
| Census Tract | 314301 |
246 Willard St is owned and occupied by two individuals who bought it in May 2019.
Source: Middlesex County and Dracut Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 246 WILLARD ST, DRACUT, MA 01826-5031 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 25, 2024 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) DIGITAL FCU |
| Mar 30, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance LOANDEPOT.COM LLC |
| Mar 30, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance LOANDEPOT.COM LLC |
| May 10, 2019 | Quit Claim Deed, Transfer · Conventional with PMI QUAD CTY BK&TR |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 10, 2019 · Amount on File |
| Deed Sale | May 10, 2019 · Amount on File |
| Prior Sale | Sep 1, 2015 · Amount on File |
| Deed Book / Page | 32965 / 123 |
| Prior Transfer Date | May 3, 2019 |
| Prior Transfer Doc | 32965-123 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DRACUT MA |
| Property Address | 246 WILLARD ST, DRACUT, MA 01826-5031 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 038388-116 |
|---|---|
| Date | Mar 25, 2024 |
| Book Page | 38388/116 |
| Instrument | 7561 |
| Name | DIGITAL FCU |
|---|---|
| Type | Credit Union |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Apr 1, 2044 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DRACUT MA |
| Property Address | 246 WILLARD ST, DRACUT, MA 01826-5031 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 00035548-1 |
|---|---|
| Date | Mar 30, 2021 |
| Book Page | 35548/1 |
| Instrument | 18829 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DRACUT MA |
| Property Address | 246 WILLARD ST, DRACUT, MA 01826-5031 |
| Transaction Type | Mortgage |
| Record Updated | Apr 16, 2021 |
| Name | Verified Name |
|---|
| Document Number | 35548-1 |
|---|---|
| Date | Mar 30, 2021 |
| Book Page | 35548/1 |
| Instrument | 18829 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | DRACUT MA |
| Recording Date | May 10, 2019 |
| Property Address | 246 WILLARD ST, DRACUT, MA 01826-5031 |
| Document Number | 32965-123 |
| Book / Page | 032965 / 000123 |
| Instrument Date | May 3, 2019 |
| Instrument | 17658 |
| Transaction Type | Transfer |
| Record Updated | May 28, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,504.80 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 246 WILLARD ST DRACUT MA 018265031, DRACUT, MA 01826-5031 |
| Document Number | 32965-128 |
|---|---|
| Date | May 10, 2019 |
| Book Page | 032965/000128 |
| Instrument | 17659 |
| Name | QUAD CTY BK&TR |
|---|---|
| Type | Bank |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 9, 2049 |
The 2026 property tax bill for 246 Willard St was $4,431, up 5.2% from the year before.
Source: Middlesex County and Dracut Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Dracut Town |
| Unified School District | Dracut School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,431.00 (+5.22%) | $458,200 (+10.12%) Land $214,000 Building $244,200 | $481,745 (-) |
| 2025 | $4,211.00 (+0.72%) | $416,100 (+4%) Land $196,300 Building $219,800 | $481,745 (+9.6%) |
| 2024 | $4,181.00 (+4.29%) | $400,100 (+15.57%) Land $187,000 Building $213,100 | $439,565 |
| 2023 | $4,009.00 | $346,200 Land $162,600 Building $183,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 246 Willard St in Zone X, an area of minimal flood risk.
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 risk around 246 Willard 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 99.1% of the US · lower than 98.7% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 277 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 |
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