36 Locust St, Dracut, MA 01826 Property Records

Middlesex County and Dracut Town property record for 36 Locust St, Dracut, MA 01826

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 912 sqft · built 1974
Lot Size	0.201 acres (8,750 sqft)
Owner	Individual Name on Record
Last Sale	$330,000 (Jul 2020)
Tax Bill	$4,160 (2026)
Deeds & Mortgages	Jul 2021 Mortgage Jul 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`DRAC M:23 L:84`

Property Details

APN / Parcel Number

Primary APN	`DRAC M:23 L:84`
Alternative APNs	`M:0023 B:0000 L:0084` `596010`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	912 sqft Living Area
Gross Area	1,968 sqft
1st Floor Area	912 sqft
Basement Area	912 sqft
Unfinished Basement	912 sqft

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,750 sqft (0.201 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	596010
Street Address	36 LOCUST ST
City	DRACUT
State	MA
Zip	01826-1848
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Lot Number	84
Jurisdiction	DRACUT MA
Township / Civil Division	DRACUT
Census Block Group	3
Census Block	3010
Census Tract	314101

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	36 LOCUST ST, DRACUT, MA 01826-1848
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2021	Deed of Trust, Mortgage · FHA Mortgage RIVER CITY MORTGAGE LLC
Jul 13, 2020	Fiduciary Deed, Transfer · FHA Mortgage RIVER CTY MTG
Jan 11, 2017	Deed of Trust, Mortgage · FHA Mortgage BANK OF ENGLAND MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 13, 2020 · Amount on Record
Deed Sale	Jul 13, 2020 · Amount on Record
Deed Document Number	2020305960
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DRACUT MA
Property Address	36 LOCUST ST, DRACUT, MA 01826-1848
Transaction Type	Mortgage
Record Updated	Nov 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000312132
Date	Jul 27, 2021
Instrument	312132

Lender

Name	RIVER CITY MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

July 2020: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	DRACUT MA
Recording Date	Jul 13, 2020
Property Address	36 LOCUST ST, DRACUT, MA 01826-1848
Document Number	0000305960
Instrument Date	Jun 22, 2020
Instrument	305960
Transaction Type	Transfer
Record Updated	Jun 25, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,505.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	36 LOCUST ST DRACUT MA 018261848, DRACUT, MA 01826-1848

Mortgage

Document Number	305961
Date	Jul 13, 2020
Instrument	305961

Lender

Name	RIVER CTY MTG
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 12, 2050

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DRACUT MA
Property Address	36 LOCUST ST, DRACUT, MA 01826-1848
Document Number	0000290372
Instrument Date	Jan 11, 2017
Transaction Type	Mortgage
Record Updated	Feb 7, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000290372
Date	Jan 18, 2017
Instrument	290372

Lender

Name	BANK OF ENGLAND MTG
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	804 Months
Due	Jan 17, 2084

Interest

Rate Type	Adjustable Rate
Rate	4.69%

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	$4,160.00 (+3.51%)	$430,200 (+8.34%) Land $201,200 Building $229,000	$386,460 (-)
2025	$4,019.00 (+0.27%)	$397,100 (+3.55%) Land $184,600 Building $212,500	$386,460 (-5.22%)
2024	$4,008.00 (+4.43%)	$383,500 (+15.72%) Land $175,800 Building $207,700	$407,740
2023	$3,838.00	$331,400 Land $152,900 Building $178,500

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 · 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	2 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.

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

May also be available: Astound Broadband.

Cell Coverage

5G and 4G LTE (outdoors only)

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