38 Dexter Ave, Dracut, MA 01826 Property Records

Middlesex County and Dracut Town property record for 38 Dexter Ave, Dracut, MA 01826

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 968 sqft · built 1965
Lot Size	0.348 acres (15,176 sqft)
Owner	2 Individual Names on File
Last Sale	$550,000 (Jul 2026)
Tax Bill	$4,400 (2026)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Mar 2021 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`DRAC M:41 L:83`

Property Details

APN / Parcel Number

Primary APN	`DRAC M:41 L:83`
Alternative APNs	`M:0041 B:0000 L:0083` `312305`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	968 sqft Living Area
Gross Area	2,094 sqft
1st Floor Area	982 sqft
Basement Area	968 sqft
Unfinished Basement	546 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,176 sqft (0.348 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	312305
Street Address	38 DEXTER AVE
City	DRACUT
State	MA
Zip	01826-4306
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Lot Number	83
Jurisdiction	DRACUT MA
Township / Civil Division	DRACUT
Census Block Group	3
Census Block	3019
Census Tract	314101

Owner

38 Dexter Ave is owned and occupied by two individuals who bought it in July 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	38 DEXTER AVE, DRACUT, MA 01826-4306
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Jul 1, 2026	Quit Claim Deed, Transfer · Conventional Mortgage GUILD MORTGAGE COMPANY
Mar 22, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ENVOY MORTGAGE LTD
May 12, 2017	Deed of Trust, Mortgage ENVOY MORTGAGE LTD
Sep 6, 2018	Deed of Trust, Mortgage ENVOY MORTGAGE LTD

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2026 · Amount on File
Deed Sale	Jul 1, 2026 · Amount on File
Prior Sale	Dec 17, 2013 · Amount on File
Deed Document Number	202620953
Deed Book / Page	40173 / 181
Transfer Doc	027893-206
Record Updated	Oct 29, 2026

July 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DRACUT MA
Recording Date	Jul 1, 2026
Property Address	38 DEXTER AVE, DRACUT, MA 01826-4306
Document Number	0000020953
Book / Page	40173 / 181
Instrument Date	Jun 26, 2026
Instrument	202620953
Transaction Type	Transfer
Record Updated	Jul 22, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	38 DEXTER AVE, DRACUT, MA 01826-4306

Mortgage

Date	Jul 1, 2026

Lender

Name	GUILD MORTGAGE COMPANY

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate	6.51%
Max Rate	-1%

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DRACUT MA
Property Address	38 DEXTER AVE, DRACUT, MA 01826-4306
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	035506-204
Date	Mar 22, 2021
Book Page	35506/204
Instrument	16882

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DRACUT MA
Property Address	38 DEXTER AVE, DRACUT, MA 01826-4306
Transaction Type	Mortgage
Record Updated	Mar 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	31113-137
Date	May 12, 2017
Book Page	31113/137
Instrument	19416

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 1, 2047

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DRACUT MA
Property Address	38 DEXTER AVE, DRACUT, MA 01826-4306
Transaction Type	Mortgage
Record Updated	Mar 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	32389-146
Date	Sep 6, 2018
Book Page	32389/146
Instrument	39107

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 38 Dexter Ave was $4,400, up 3.6% 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	$4,400.00 (+3.55%)	$455,000 (+8.36%) Land $239,200 Building $215,800	$426,075 (-)
2025	$4,249.00 (+0.78%)	$419,900 (+4.09%) Land $219,400 Building $200,500	$426,075 (+2.99%)
2024	$4,216.00 (+0.57%)	$403,400 (+11.44%) Land $208,900 Building $194,500	$413,725
2023	$4,192.00	$362,000 Land $181,700 Building $180,300

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

Flood

FEMA maps place 38 Dexter Ave in Zone X, an area of minimal flood risk.

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	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

Wildfire risk around 38 Dexter Ave is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · above 98.2% of Massachusetts
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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