Middlesex County and Dracut Town property record for 28 Charles St, Dracut, MA 01826
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,872 sqft · built 1957 |
| Lot Size | 0.238 acres (10,350 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $119,500 (Nov 1996) |
| Tax Bill | $5,073 (2026) |
| Deeds & Mortgages | Dec 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | DRAC M:24 L:187 |
| Primary APN | DRAC M:24 L:187 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,872 sqft Living Area |
| Gross Area | 3,034 sqft |
| 1st Floor Area | 936 sqft |
| Basement Area | 936 sqft |
| Unfinished Basement | 324 sqft |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1957 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,350 sqft (0.238 acres) |
| Deck Area | Deck Area |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 715009 |
|---|---|
| Street Address | 28 CHARLES ST |
| City | DRACUT |
| State | MA |
| Zip | 01826-3016 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Lot Number | 187 |
| Jurisdiction | DRACUT MA |
| Township / Civil Division | DRACUT |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 314101 |
28 Charles St is owned and occupied by two individuals who bought it in November 1996.
Source: Middlesex County and Dracut Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 28 CHARLES ST, DRACUT, MA 01826-3016 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 29, 1996 · Amount on File |
| Deed Sale | Nov 29, 1996 · Amount on File |
| Prior Sale | May 31, 1990 · Amount on File |
| Deed Book / Page | 8330 / 241 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DRACUT MA |
| Property Address | 28 CHARLES ST, DRACUT, MA 01826-3016 |
| Document Number | 32670-1 |
| Instrument Date | Dec 14, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 15, 2019 |
| Name | Verified Name |
|---|---|
| Address | 28 CHARLES ST DRACUT MA 018263016, DRACUT, MA 01826-3016 |
| Document Number | 32670-1 |
|---|---|
| Date | Dec 27, 2018 |
| Book Page | 032670/000001 |
| Instrument | 56282 |
| Name | JEANNE D'ARC CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Dec 26, 2028 |
The 2026 property tax bill for 28 Charles St was $5,073, down 1.9% 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 | $5,073.00 (-1.86%) | $524,600 (+2.7%) Land $210,000 Building $314,600 | $552,615 (-) |
| 2025 | $5,169.00 (+4.68%) | $510,800 (+8.11%) Land $192,700 Building $318,100 | $552,615 (+0.52%) |
| 2024 | $4,938.00 (+3.03%) | $472,500 (+14.16%) Land $183,500 Building $289,000 | $549,765 |
| 2023 | $4,793.00 | $413,900 Land $159,500 Building $254,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 28 Charles St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 1 (2014) |
| Most Recent Claim | Mar 2014 · river or lake 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 risk around 28 Charles St is low, with 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 80% of the US · above 57% of Massachusetts |
|---|---|
| Wildfire Likelihood | 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 306 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 |
May also be available: AT&T.
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