Middlesex County and Dracut Town property record for 316 Emery St, Dracut, MA 01826
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,984 sqft · built 1960 |
| Lot Size | 0.174 acres (7,600 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,534 (2025) |
| Deeds & Mortgages | Apr 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | DRAC M:61 L:34 |
| Primary APN | DRAC M:61 L:34 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,984 sqft Living Area |
| Gross Area | 2,984 sqft |
| 1st Floor Area | 1,066 sqft |
| Basement Area | 850 sqft |
| Unfinished Basement | 850 sqft |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,600 sqft (0.174 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Account Number | 716103 |
|---|---|
| Street Address | 316 EMERY ST |
| City | DRACUT |
| State | MA |
| Zip | 01826-5505 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Lot Number | 34 |
| Jurisdiction | DRACUT MA |
| Township / Civil Division | DRACUT |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 314102 |
Source: Middlesex County and Dracut Town records · APN DRAC M:61 L:34
Assessment roll updated April 14, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 316 EMERY ST, DRACUT, MA 01826-5505 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DRACUT MA |
| Property Address | 316 EMERY ST, DRACUT, MA 01826-5505 |
| Document Number | 32004-199 |
| Instrument Date | Apr 10, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Mar 05, 2019 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Document Number | 32004-199 |
|---|---|
| Date | Apr 17, 2018 |
| Book Page | 032004/000199 |
| Instrument | 14936 |
| Name | FINANCE AMERICA |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 852 Months |
| Due | Apr 16, 2089 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.96% |
Source: Middlesex County and Dracut Town records · Assessment roll updated April 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Dracut Town |
| Unified School District | Dracut School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,534.00 (+3.87%) | $448,000 (+7.25%) Land $177,700 Building $270,300 | $581,400 (+9.6%) |
| 2024 | $4,365.00 (+3.26%) | $417,700 (+14.44%) Land $169,200 Building $248,500 | $530,480 |
| 2023 | $4,227.00 | $365,000 Land $147,100 Building $217,900 |
Source: FEMA National Flood Hazard Layer as of September 10, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 3 (1987–2010) |
| Claims Outside the SFHA | 2 of 3 |
| Most Recent Claim | Jan 2010 · rainfall accumulation |
| 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 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
Based on FCC filings for 362 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | DRACUT WATER SUPPLY DISTRICT serves 25,808 people |
|---|---|
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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