40 Harold Ave, Dracut, MA 01826 Property Records

Middlesex County and Dracut Town property record for 40 Harold Ave, Dracut, MA 01826

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,092 sqft · built 1955
Lot Size	0.195 acres (8,500 sqft)
Owner	Trust Name on File
Tax Bill	$5,850 (2026)
Deeds & Mortgages	May 2021 Refinance Aug 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`DRAC M:33 L:108`

Property Details

APN / Parcel Number

Primary APN	`DRAC M:33 L:108`
Alternative APNs	`M:0033 B:0000 L:0108` `129301`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,092 sqft Living Area
Gross Area	3,648 sqft
1st Floor Area	1,040 sqft
Basement Area	1,040 sqft
Unfinished Basement	520 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,500 sqft (0.195 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	129301
Street Address	40 HAROLD AVE
City	DRACUT
State	MA
Zip	01826-2410
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Lot Number	108
Jurisdiction	DRACUT MA
Township / Civil Division	DRACUT
Census Block Group	5
Census Block	5000
Census Tract	314102

Owner

40 Harold Ave is owner-occupied and held in a trust since April 2015.

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	Trust Name on File
Mailing Address	40 HAROLD AVE, DRACUT, MA 01826-2410
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
May 24, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance JEANNE D ARC CU
Aug 17, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance JEANNE D ARC CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 30, 2015
Deed Sale	Apr 30, 2015
Prior Sale	Feb 15, 2002 · Amount on File
Deed Document Number	201516568
Deed Book / Page	29017 / 232
Transfer Doc	29017-232
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DRACUT MA
Property Address	40 HAROLD AVE, DRACUT, MA 01826-2410
Transaction Type	Mortgage
Record Updated	Jun 11, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	35786-40
Date	May 24, 2021
Book Page	35786/40
Instrument	30577

Lender

Name	JEANNE D ARC CU
Type	Credit Union

Agreement

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

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DRACUT MA
Property Address	40 HAROLD AVE, DRACUT, MA 01826-2410
Transaction Type	Mortgage
Record Updated	Mar 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	34499-36
Date	Aug 17, 2020
Book Page	34499/36
Instrument	38347

Lender

Name	JEANNE D ARC CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 40 Harold Ave was $5,850, up 1.1% 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	$5,850.00 (+1.07%)	$605,000 (+5.79%) Land $199,600 Building $405,400	$530,290 (-)
2025	$5,788.00 (+4.91%)	$571,900 (+8.33%) Land $183,100 Building $388,800	$530,290 (+10.86%)
2024	$5,517.00 (+0.53%)	$527,900 (+11.39%) Land $174,400 Building $353,500	$478,325
2023	$5,488.00	$473,900 Land $151,600 Building $322,300

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

Flood

FEMA maps place 40 Harold Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2006.

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	1 (2006)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2006 · Severe Storms And Flooding

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 40 Harold Ave 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 96% of the US · lower than 92% 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.

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 293 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

May also be available: T-Mobile.

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