Middlesex County and Dracut Town property record for 37 Saddle Rd, Dracut, MA 01826
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,628 sqft · built 2016 |
| Lot Size | 0.459 acres (20,000 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $504,900 (Jul 2016) |
| Tax Bill | $7,921 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Apr 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | DRAC M:19 B:42 L:1.20 |
| Primary APN | DRAC M:19 B:42 L:1.20 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 5 Rooms |
| Stories | 3 Stories |
| Building Area | 2,628 sqft Living Area |
| Gross Area | 4,560 sqft |
| 1st Floor Area | 1,368 sqft |
| Basement Area | 840 sqft |
| Unfinished Basement | 840 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2016 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 20,000 sqft (0.459 acres) |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 37 SADDLE RD |
|---|---|
| City | DRACUT |
| State | MA |
| Zip | 01826-1383 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Block | 42 |
| Legal Lot Number | 1.20 |
| Jurisdiction | DRACUT MA |
| Township / Civil Division | DRACUT |
| Census Block Group | 1 |
| Census Block | 1001 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 37 SADDLE RD, DRACUT, MA 01826-1383 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 3, 2021 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Apr 1, 2026 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPMEN |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 1, 2016 · Amount on Record |
| Deed Sale | Jul 1, 2016 · Amount on Record |
| Prior Sale | Sep 9, 1986 · Amount on Record |
| Deed Document Number | 201629551 |
| Deed Book / Page | 30194 / 42 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DRACUT MA |
| Property Address | 37 SADDLE RD, DRACUT, MA 01826-1383 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0035416-84 |
|---|---|
| Date | Mar 3, 2021 |
| Book Page | 35416/84 |
| Instrument | 12758 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Apr 1, 2046 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DRACUT MA |
| Recording Date | Apr 1, 2026 |
| Property Address | 37 SADDLE RD, DRACUT, MA 01826-1383 |
| Document Number | 039961-130 |
| Book / Page | 39961 / 130 |
| Instrument Date | Mar 3, 2026 |
| Instrument | 20269589 |
| Transaction Type | Mortgage |
| Record Updated | Jul 13, 2026 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship, 153 |
| Address | 37 SADDLE RD, DRACUT, MA 01826-1383 |
| Document Number | 0000009589, |
|---|---|
| Date | Apr 1, 2026 |
| Book Page | 39961/130 |
| Instrument | 20269589 |
| Name | SECRETARY OF HOUSING AND URBAN DEVELOPMEN |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | May 1, 2046 |
| Rate | 6.11% |
|---|---|
| Max Rate | -1% |
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 | $7,921.00 (+2.46%) | $782,700 (+5.8%) Land $237,100 Building $545,600 | $843,790 (+8.08%) |
| 2024 | $7,731.00 (+2.23%) | $739,800 (+13.29%) Land $225,900 Building $513,900 | $780,710 |
| 2023 | $7,562.00 | $653,000 Land $196,400 Building $456,600 |
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 2 (1979–1982) |
| Most Recent Claim | Jun 1982 · tidal / storm surge |
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 93% of the US · lower than 83% 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 111 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 |
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