32 Frederick St, Apt 1, Dracut, MA 01826 Property Records

Middlesex County and Dracut Town property record for 32 Frederick St, Apt 1, Dracut, MA 01826

Property Summary

Property Type	Condominium
Details	2 bd · 1.5 ba · 1,280 sqft · built 1982
Lot Size	1.45 acres (63,176 sqft)
Owner	Individual Name on Record
Last Sale	$404,900 (Sep 2024)
Tax Bill	$3,731 (2026)
Deeds & Mortgages	Feb 2021 Refinance Nov 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`DRAC M:45 B:134 L:1`

Property Details

APN / Parcel Number

Primary APN	`DRAC M:45 B:134 L:1`
Alternative APNs	`M:0045 B:0134 L:0001` `190808`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Units	8 Units
Stories	2 Stories
Building Area	1,280 sqft Living Area
Gross Area	2,162 sqft
1st Floor Area	600 sqft
Attic	Attic
Attic Area	200 sqft
Basement Area	360 sqft
Unfinished Basement	200 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Architectural Style	Condo/Apartment
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	63,176 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	190808
Street Address	32 FREDERICK ST, 1
City	DRACUT
State	MA
Zip	01826-3447
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Block	134
Legal Lot Number	1
Jurisdiction	DRACUT MA
Township / Civil Division	DRACUT
Census Block Group	2
Census Block	2000
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	Individual Name on Record
Mailing Address	32 FREDERICK ST, 1, DRACUT, MA 01826-3447
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Feb 9, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance DRAPER AND KRAMER MORTGAGE CORP.
Nov 21, 2022	Deed of Trust, Mortgage · Line of Credit METRO CU
Oct 23, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance DRAPER AND KRAMER MORTGAGE CORP.
Apr 27, 2017	Quit Claim Deed, Transfer · Conventional with PMI LEND USA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 25, 2024 · Amount on Record
Deed Sale	Sep 25, 2024 · Amount on Record
Prior Sale	Apr 27, 2017 · Amount on Record
Deed Book / Page	38774 / 132
Prior Transfer Date	Sep 20, 2024
Prior Transfer Doc	038774-132
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DRACUT MA
Property Address	32 FREDERICK ST APT 1, 1, DRACUT, MA 01826-3447
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	035314-182
Date	Feb 9, 2021
Book Page	35314/182
Instrument	8281

Lender

Name	DRAPER AND KRAMER MORTGAGE CORP.

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DRACUT MA
Property Address	32 FREDERICK ST APT 1, 1, DRACUT, MA 01826-3447
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00037521-4
Date	Nov 21, 2022
Book Page	37521/4
Instrument	47320

Lender

Name	METRO CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Dec 1, 2047

Interest

Rate Type	Adjustable Rate

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DRACUT MA
Property Address	32 FREDERICK ST APT 1, 1, DRACUT, MA 01826-3447
Transaction Type	Mortgage
Record Updated	Mar 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	33477-17
Date	Oct 23, 2019
Book Page	33477/17
Instrument	46243

Lender

Name	DRAPER AND KRAMER MORTGAGE CORP.

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DRACUT MA
Recording Date	Apr 27, 2017
Property Address	32 FREDERICK ST APT 1, 1, DRACUT, MA 01826-3447
Document Number	31069-77
Book / Page	031069 / 000077
Instrument Date	Apr 27, 2017
Instrument	16702
Transaction Type	Transfer
Record Updated	May 16, 2017

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,080.00
Amount Accuracy	Confirmed
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32 FREDERICK ST #1 DRACUT MA 018263447, 1, DRACUT, MA 01826-3447

Mortgage

Document Number	31069-79
Date	Apr 27, 2017
Book Page	031069/000079
Instrument	16703

Lender

Name	LEND USA

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 26, 2047

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	$3,731.00 (+2.16%)	$385,800 (+6.9%) Building $385,800	$376,865 (-)
2025	$3,652.00 (-1.27%)	$360,900 (+1.95%) Building $360,900	$376,865 (+0.38%)
2024	$3,699.00 (+6.85%)	$354,000 (+18.39%) Building $354,000	$375,440
2023	$3,462.00	$299,000 Building $299,000

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 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.

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 87 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000

Cell Coverage

5G and 4G LTE (outdoors only)

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