314 10th St, Dracut, MA 01826 Property Records

Middlesex County and Dracut Town property record for 314 10th St, Dracut, MA 01826

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,369 sqft · built 1957
Lot Size	0.354 acres (15,400 sqft)
Owner	Individual Name on Record
Last Sale	$375,000 (Apr 2018)
Tax Bill	$5,231 (2026)
Deeds & Mortgages	Apr 2021 Refinance Aug 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`DRAC M:70 L:5`

Property Details

APN / Parcel Number

Primary APN	`DRAC M:70 L:5`
Alternative APNs	`M:0070 B:0000 L:0005` `552217`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,369 sqft Living Area
Gross Area	3,648 sqft
1st Floor Area	1,083 sqft
Basement Area	1,083 sqft
Unfinished Basement	1,083 sqft

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,400 sqft (0.354 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	552217
Street Address	314 10TH ST
City	DRACUT
State	MA
Zip	01826-5661
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Lot Number	5
Jurisdiction	DRACUT MA
Township / Civil Division	DRACUT
Census Block Group	4
Census Block	4010
Census Tract	314301

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	Individual Name on Record
Mailing Address	314 10TH ST, DRACUT, MA 01826-5661
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 6, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FIRST FEDERAL BANK
Aug 8, 2023	Deed of Trust, Mortgage · Second Mortgage (Down Payment) JEANNE D ARC CU
Jan 23, 2026	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
May 12, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance AMERISAVE MORTGAGE CORP
Apr 6, 2018	Quit Claim Deed, Transfer UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 6, 2018 · Amount on Record
Deed Sale	Apr 6, 2018 · Amount on Record
Prior Sale	Apr 6, 2012 · Amount on Record
Deed Book / Page	31983 / 138
Transfer Doc	031983-138
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DRACUT MA
Property Address	314 10TH ST, DRACUT, MA 01826-5661
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0035580-77
Date	Apr 6, 2021
Book Page	35580/77
Instrument	20307

Lender

Name	FIRST FEDERAL BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2036

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DRACUT MA
Property Address	314 10TH ST, DRACUT, MA 01826-5661
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	00037997-1
Date	Aug 8, 2023
Book Page	37997/1
Instrument	23076

Lender

Name	JEANNE D ARC CU
Type	Credit Union

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	61 Months
Due	Sep 1, 2028

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DRACUT MA
Property Address	314 10TH ST, DRACUT, MA 01826-5661
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	039816-251
Date	Jan 23, 2026
Book Page	39816/251
Instrument	2108

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Feb 1, 2051

Interest

Rate Type	Adjustable Rate

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DRACUT MA
Property Address	314 10TH ST, DRACUT, MA 01826-5661
Transaction Type	Mortgage
Record Updated	Mar 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	34116-140
Date	May 12, 2020
Book Page	34116/140
Instrument	20144

Lender

Name	AMERISAVE MORTGAGE CORP

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2035

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DRACUT MA
Recording Date	Apr 6, 2018
Property Address	314 10TH ST, DRACUT, MA 01826-5661
Document Number	31983-138
Book / Page	31983 / 138
Instrument	13555
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$31.98
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	314 10TH ST, DRACUT, MA 01826-5661
Investor	Possibly a Property Investor

Mortgage

Document Number	319830142
Date	Apr 6, 2018
Instrument	31983/0142

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Apr 6, 2033

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	$5,231.00 (+1.14%)	$540,900 (+5.83%) Land $163,300 Building $377,600	$504,355 (-)
2025	$5,172.00 (+4.19%)	$511,100 (+7.6%) Land $149,800 Building $361,300	$504,355 (+1.92%)
2024	$4,964.00 (+3.59%)	$475,000 (+14.79%) Land $142,700 Building $332,300	$494,855
2023	$4,792.00	$413,800 Land $124,100 Building $289,700

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 97% of the US · lower than 94% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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	KENWOOD WATER DISTRICT serves 9,620 people · EPA ID MA3079001
Water Source	Purchased surface water from several systems
Last State Inspection	Sep 2024
Lead	2 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 335 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

May also be available: T-Mobile.

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