Middlesex County and Dracut Town property record for 35 Gerard St, Dracut, MA 01826
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,434 sqft · built 1900 |
| Lot Size | 0.115 acres (5,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $30,000 (Dec 2024) |
| Tax Bill | $4,058 (2026) |
| Deeds & Mortgages | Nov 2020 Refinance Dec 2020 Transfer + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | DRAC M:45 L:50 |
| Primary APN | DRAC M:45 L:50 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,434 sqft Living Area |
| Gross Area | 3,284 sqft |
| 1st Floor Area | 1,044 sqft |
| Basement Area | 1,044 sqft |
| Unfinished Basement | 1,044 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Conventional |
| Exterior Material | Combination |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,000 sqft (0.115 acres) |
| Heating System | Steam |
|---|---|
| Heating Fuel | Oil |
| Account Number | 808418 |
|---|---|
| Street Address | 35 GERARD ST |
| City | DRACUT |
| State | MA |
| Zip | 01826-3430 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Lot Number | 50 |
| Jurisdiction | DRACUT MA |
| Township / Civil Division | DRACUT |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 314200 |
35 Gerard St is owned and occupied by an individual who bought it in December 2024.
Source: Middlesex County and Dracut Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 35 GERARD ST, DRACUT, MA 01826-3430 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Individual(s) |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 24, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance HOMESTEAD FUNDING CORP |
| Dec 2, 2020 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Oct 31, 2019 | Quit Claim Deed, Transfer · FHA Mortgage HOMESTEAD FUNDING CORP |
| Nov 3, 2017 | Quit Claim Deed, Transfer Quitclaim |
| May 12, 2017 | Quit Claim Deed, Transfer · FHA Mortgage EQUITY PRIME MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 11, 2024 · Amount on File |
| Deed Sale | Dec 11, 2024 · Amount on File |
| Prior Sale | Oct 31, 2019 · Amount on File |
| Deed Book / Page | 38955 / 187 |
| Prior Transfer Date | Oct 13, 2020 |
| Prior Transfer Doc | 34997-216 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DRACUT MA |
| Property Address | 35 GERARD ST, DRACUT, MA 01826-3430 |
| Transaction Type | Mortgage |
| Record Updated | Mar 15, 2021 |
| Name | Verified Name |
|---|
| Document Number | 34962-55 |
|---|---|
| Date | Nov 24, 2020 |
| Book Page | 34962/55 |
| Instrument | 60847 |
| Name | HOMESTEAD FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | DRACUT MA |
| Recording Date | Dec 2, 2020 |
| Property Address | 35 GERARD ST, DRACUT, MA 01826-3430 |
| Document Number | 34997-216 |
| Book / Page | 034997 / 000216 |
| Instrument Date | Oct 13, 2020 |
| Instrument | 62540 |
| Transaction Type | Transfer |
| Record Updated | Dec 22, 2020 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 59 HOPKINS ST DRACUT MA 018263434, DRACUT, MA 01826-3434 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | DRACUT MA |
| Recording Date | Oct 31, 2019 |
| Property Address | 35 GERARD ST, DRACUT, MA 01826-3430 |
| Document Number | 33508-67 |
| Book / Page | 33508 / 67 |
| Instrument Date | Oct 31, 2019 |
| Instrument | 47839 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 35 GERARD ST, DRACUT, MA 01826-3430 |
| Document Number | 47840 |
|---|---|
| Date | Oct 31, 2019 |
| Instrument | 47840 |
| Name | HOMESTEAD FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | DRACUT MA |
| Recording Date | Nov 3, 2017 |
| Property Address | 35 GERARD ST, DRACUT, MA 01826-3430 |
| Document Number | 31613-88 |
| Book / Page | 031613 / 000088 |
| Instrument Date | Oct 31, 2017 |
| Instrument | 49371 |
| Transaction Type | Transfer |
| Record Updated | Nov 21, 2017 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 35 GERARD ST DRACUT MA 018263430, DRACUT, MA 01826-3430 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | DRACUT MA |
| Recording Date | May 12, 2017 |
| Property Address | 35 GERARD ST, DRACUT, MA 01826-3430 |
| Document Number | 31112-211 |
| Book / Page | 31112 / 211 |
| Instrument | 19380 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Tax | $30.04 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 31112-215 |
|---|---|
| Date | May 12, 2017 |
| Book Page | 31112/215 |
| Instrument | 19381 |
| Name | EQUITY PRIME MTG |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2047 |
The 2026 property tax bill for 35 Gerard St was $4,058, up 7% from the year before.
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 |
|---|---|---|---|
| 2026 | $4,058.00 (+7.04%) | $419,600 (+12.01%) Land $176,500 Building $243,100 | $401,565 (-) |
| 2025 | $3,791.00 (+0.26%) | $374,600 (+3.54%) Land $161,900 Building $212,700 | $401,565 (+11.24%) |
| 2024 | $3,781.00 (+4.48%) | $361,800 (+15.78%) Land $154,200 Building $207,600 | $361,000 |
| 2023 | $3,619.00 | $312,500 Land $134,100 Building $178,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 35 Gerard 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 | 4 (1987–2007) |
| Most Recent Claim | Apr 2007 · other causes |
| Claims by Event |
|
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 risk around 35 Gerard St is low, with less than 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 99.1% of the US · lower than 98.7% 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 156 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
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