38 A St, Dracut, MA 01826 Property Records

Middlesex County and Dracut Town property record for 38 A St, Dracut, MA 01826

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,547 sqft · built 1991
Lot Size	0.172 acres (7,500 sqft)
Owner	Individual Name on Record
Last Sale	$355,000 (Nov 2018)
Tax Bill	$5,279 (2025)
Deeds & Mortgages	Jan 2021 Refinance Mar 2021 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`DRAC M:15 B:189 L:1`

Property Details

APN / Parcel Number

Primary APN	`DRAC M:15 B:189 L:1`
Alternative APN	`M:0015 B:0189 L:0001`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,547 sqft Living Area
Gross Area	3,108 sqft
1st Floor Area	884 sqft
Basement Area	884 sqft
Unfinished Basement	884 sqft

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,500 sqft (0.172 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	38 A ST
City	DRACUT
State	MA
Zip	01826-2102
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Subdivision	CAMP LONG POND GROVE
Legal Block	189
Legal Lot Number	1
Jurisdiction	DRACUT MA
Township / Civil Division	DRACUT
Census Block Group	2
Census Block	2015
Census Tract	314101

Owner

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	38 A ST, DRACUT, MA 01826-2102
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 6, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance STATE CHARTERED CU
Mar 1, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance JEANNE D ARC CU
Feb 5, 2025	Deed of Trust, Mortgage · Stand-Alone Refinance WORKERS CU
Nov 22, 2017	Deed of Trust, Mortgage · ARM MERRIMACK MTG CO
Nov 5, 2018	Quit Claim Deed, Transfer · Conventional Mortgage JEANNE D'ARC CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 5, 2018 · Amount on Record
Deed Sale	Nov 5, 2018 · Amount on Record
Prior Sale	Sep 17, 2007 · Amount on Record
Deed Book / Page	32542 / 119
Transfer Doc	25085-243
Record Updated	Sep 20, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DRACUT MA
Property Address	38 A ST, DRACUT, MA 01826-2102
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	035154-124
Date	Jan 6, 2021
Book Page	35154/124
Instrument	202100000700

Lender

Name	STATE CHARTERED CU

Agreement

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

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DRACUT MA
Property Address	38 A ST, DRACUT, MA 01826-2102
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0035399-23
Date	Mar 1, 2021
Book Page	35399/23
Instrument	12094

Lender

Name	JEANNE D ARC CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2041

February 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DRACUT MA
Property Address	38 A ST, DRACUT, MA 01826-2102
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039056-225
Date	Feb 5, 2025
Book Page	39056/225
Instrument	3407

Lender

Name	WORKERS CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Mar 1, 2045

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DRACUT MA
Property Address	38 A ST, DRACUT, MA 01826-2102
Transaction Type	Mortgage
Record Updated	Mar 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	31668-155
Date	Nov 22, 2017
Book Page	31668/155
Instrument	52724

Lender

Name	MERRIMACK MTG CO

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.25%

November 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DRACUT MA
Recording Date	Nov 5, 2018
Property Address	38 A ST, DRACUT, MA 01826-2102
Document Number	32542-119
Book / Page	032542 / 000119
Instrument Date	Nov 2, 2018
Instrument	48593
Transaction Type	Transfer
Record Updated	Nov 29, 2018

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,618.80
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 A ST DRACUT MA 018262102, DRACUT, MA 01826-2102

Mortgage

Document Number	32542-123
Date	Nov 5, 2018
Book Page	032542/000123
Instrument	48594

Lender

Name	JEANNE D'ARC CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 4, 2048

Interest

Rate	4.13%

Mortgage

Document Number	32542-144,
Date	Nov 5, 2018
Book Page	032542/000144
Instrument	48595

Lender

Name	JEANNE D'ARC CU
Type	Credit Union

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Nov 4, 2038

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
2025	$5,279.00 (+1.62%)	$521,600 (+4.93%) Land $177,100 Building $344,500	$508,250 (-1.31%)
2024	$5,195.00 (+3.65%)	$497,100 (+14.86%) Land $168,600 Building $328,500	$514,995
2023	$5,012.00	$432,800 Land $146,600 Building $286,200

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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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 443 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
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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