35 Charles St, Dracut, MA 01826 Property Records

Middlesex County and Dracut Town property record for 35 Charles St, Dracut, MA 01826

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 936 sqft · built 1955
Lot Size	0.219 acres (9,536 sqft)
Owner	Individual Name on File
Last Sale	$325,000 (Sep 2017)
Tax Bill	$4,705 (2026)
Deeds & Mortgages	Sep 2017 Sale & Mortgage Mar 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`DRAC M:24 L:176`

Property Details

APN / Parcel Number

Primary APN	`DRAC M:24 L:176`
Alternative APNs	`M:0024 B:0000 L:0176` `763504`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	936 sqft Living Area
Gross Area	1,992 sqft
1st Floor Area	936 sqft
Basement Area	936 sqft
Unfinished Basement	468 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,536 sqft (0.219 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	763504
Street Address	35 CHARLES ST
City	DRACUT
State	MA
Zip	01826-3015
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Lot Number	176
Jurisdiction	DRACUT MA
Township / Civil Division	DRACUT
Census Block Group	1
Census Block	1010
Census Tract	314101

Owner

35 Charles St is owned and occupied by an individual who bought it in September 2017.

Source: Middlesex County and Dracut Town records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	35 CHARLES ST, DRACUT, MA 01826-3015
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 11, 2017	Quit Claim Deed, Transfer LEADER BANK NA
Mar 17, 2017	Quit Claim Deed, Transfer ENTERPRISE BANK & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 11, 2017 · Amount on File
Deed Sale	Sep 11, 2017 · Amount on File
Prior Sale	Mar 17, 2017 · Amount on File
Deed Book / Page	31458 / 36
Transfer Doc	030979-144
Record Updated	Oct 29, 2026

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DRACUT MA
Recording Date	Sep 11, 2017
Property Address	35 CHARLES ST, DRACUT, MA 01826-3015
Document Number	31458-36
Book / Page	31458 / 36
Instrument	40295
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$29.77
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	35 CHARLES ST, DRACUT, MA 01826-3015

Mortgage

Document Number	314580038
Date	Sep 11, 2017
Instrument	31458/0038

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 11, 2047

Interest

Rate	3.25%
Max Rate At Change	0.12%
Max Rate	2.25%

March 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DRACUT MA
Recording Date	Mar 17, 2017
Property Address	35 CHARLES ST, DRACUT, MA 01826-3015
Document Number	30979-144
Book / Page	30979 / 144
Instrument	11046
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$28.67
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	309790146
Date	Mar 17, 2017
Instrument	30979/0146

Lender

Name	ENTERPRISE BANK & TRUST CO
Type	Bank

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 35 Charles St was $4,705, up 3.4% from the year before.

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	$4,705.00 (+3.43%)	$486,600 (+8.25%) Land $206,400 Building $280,200	$433,390 (-)
2025	$4,549.00 (+0.31%)	$449,500 (+3.57%) Land $189,400 Building $260,100	$433,390 (-0.07%)
2024	$4,535.00 (+2.16%)	$434,000 (+13.23%) Land $180,300 Building $253,700	$433,675
2023	$4,439.00	$383,300 Land $156,800 Building $226,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 35 Charles St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2014)
Most Recent Claim	Mar 2014 · river or lake flooding

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

Wildfire risk around 35 Charles St is low, with a 0.01% annual chance of 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 306 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

May also be available: AT&T.

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