3 Cottage St, Dracut, MA 01826 Property Records

Middlesex County and Dracut Town property record for 3 Cottage St, Dracut, MA 01826

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,621 sqft · built 1886
Lot Size	0.166 acres (7,230 sqft)
Owner	2 Individual Names on Record
Last Sale	$203,500 (Jul 2013)
Tax Bill	$4,341 (2026)
Deeds & Mortgages	Jun 2022 Refinance Jul 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`DRAC M:32 L:82`

Property Details

APN / Parcel Number

Primary APN	`DRAC M:32 L:82`
Alternative APNs	`M:0032 B:0000 L:0082` `120202`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,621 sqft Living Area
Gross Area	2,916 sqft
1st Floor Area	956 sqft
Basement Area	800 sqft
Unfinished Basement	800 sqft

Exterior

Year Built	Built 1886
Effective Year Built	Effective 1886
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,230 sqft (0.166 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Account Number	120202
Street Address	3 COTTAGE ST
City	DRACUT
State	MA
Zip	01826-3205
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Lot Number	82
Jurisdiction	DRACUT MA
Township / Civil Division	DRACUT
Census Block Group	3
Census Block	3003
Census Tract	314102

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	3 COTTAGE ST, DRACUT, MA 01826-3205
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jun 28, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance MORTGAGE EQUITY PARTNERS LLC
Jul 31, 2018	Deed of Trust, Mortgage · FHA Mortgage LENDUSA LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 19, 2013 · Amount on Record
Deed Sale	Jul 19, 2013 · Amount on Record
Prior Sale	Jul 19, 2013 · Amount on Record
Deed Book / Page	27504 / 160
Transfer Doc	2750000160
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DRACUT MA
Property Address	3 COTTAGE ST, DRACUT, MA 01826-3205
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0037184-21
Date	Jun 28, 2022
Book Page	37184/21
Instrument	27582

Lender

Name	MORTGAGE EQUITY PARTNERS LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DRACUT MA
Property Address	3 COTTAGE ST, DRACUT, MA 01826-3205
Transaction Type	Mortgage
Record Updated	Mar 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	32285-123
Date	Jul 31, 2018
Book Page	32285/123
Instrument	32628

Lender

Name	LENDUSA LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2048

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	$4,341.00 (+6.58%)	$448,900 (+11.53%) Land $191,200 Building $257,700	$501,885 (-)
2025	$4,073.00 (+0.3%)	$402,500 (+3.58%) Land $175,400 Building $227,100	$501,885 (+28.63%)
2024	$4,061.00 (+4.48%)	$388,600 (+15.76%) Land $167,000 Building $221,600	$390,165
2023	$3,887.00	$335,700 Land $145,300 Building $190,400

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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