Middlesex County and Dracut Town property record for 32 Elsmere Ter, Dracut, MA 01826
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 1,982 sqft · built 1932 |
| Lot Size | 0.459 acres (20,000 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $158,700 (Jan 1999) |
| Tax Bill | $5,883 (2025) |
| Deeds & Mortgages | Dec 2020 Refinance Sep 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | DRAC M:71 L:61 |
| Primary APN | DRAC M:71 L:61 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,982 sqft Living Area |
| Gross Area | 3,777 sqft |
| 1st Floor Area | 1,116 sqft |
| Attic | Attic |
| Attic Area | 660 sqft |
| Basement Area | 1,116 sqft |
| Unfinished Basement | 1,116 sqft |
| Year Built | Built 1932 |
|---|---|
| Effective Year Built | Effective 1932 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 20,000 sqft (0.459 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 344506 |
|---|---|
| Street Address | 32 ELSMERE TER |
| City | DRACUT |
| State | MA |
| Zip | 01826-5741 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | B3 |
| Legal Lot Number | 61 |
| Jurisdiction | DRACUT MA |
| Township / Civil Division | DRACUT |
| Census Block Group | 4 |
| Census Block | 4012 |
| Census Tract | 314301 |
Source: Middlesex County and Dracut Town records, as of July 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 | 32 ELSMERE TER, DRACUT, MA 01826-5741 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Dec 23, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance JEANNE D ARC CU |
| Sep 1, 2017 | Deed of Trust, Mortgage · Conventional Mortgage JEANNE D'ARC CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 5, 1999 · Amount on Record |
| Deed Sale | Jan 5, 1999 · Amount on Record |
| Deed Book / Page | 9846 / 228 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DRACUT MA |
| Property Address | 32 ELSMERE TER, DRACUT, MA 01826-5741 |
| Transaction Type | Mortgage |
| Record Updated | Mar 15, 2021 |
| Name | Verified Name |
|---|
| Document Number | 35094-273 |
|---|---|
| Date | Dec 23, 2020 |
| Book Page | 35094/273 |
| Instrument | 67266 |
| Name | JEANNE D ARC CU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DRACUT MA |
| Property Address | 32 ELSMERE TER, DRACUT, MA 01826-5741 |
| Document Number | 31477-177 |
| Book / Page | 031477 / 000177 |
| Instrument Date | Sep 1, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Oct 10, 2017 |
| Name | Verified Name |
|---|
| Document Number | 31477-177 |
|---|---|
| Date | Sep 18, 2017 |
| Book Page | 031477/000177 |
| Instrument | 41401 |
| Name | JEANNE D'ARC CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Sep 17, 2037 |
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 |
|---|---|---|---|
| 2025 | $5,883.00 (+2.44%) | $581,300 (+5.77%) Land $226,800 Building $354,500 | $591,185 (+3.17%) |
| 2024 | $5,743.00 (+3.78%) | $549,600 (+15%) Land $216,000 Building $333,600 | $573,040 |
| 2023 | $5,534.00 | $477,900 Land $187,900 Building $290,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 AE, within 500 ft |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 96% 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 297 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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