40 Heritage Rd, Dracut, MA 01826 Property Records

Middlesex County and Dracut Town property record for 40 Heritage Rd, Dracut, MA 01826

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,282 sqft · built 2003
Lot Size	0.471 acres (20,503 sqft)
Owner	Individual Name on File
Last Sale	$465,000 (Dec 2015)
Tax Bill	$7,166 (2026)
Deeds & Mortgages	Oct 2022 Refinance Aug 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`DRAC M:43 B:106 L:19`

Property Details

APN / Parcel Number

Primary APN	`DRAC M:43 B:106 L:19`
Alternative APN	`M:0043 B:0106 L:0019`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,282 sqft Living Area
Gross Area	3,700 sqft
1st Floor Area	1,326 sqft
Basement Area	696 sqft
Unfinished Basement	696 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,503 sqft (0.471 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	40 HERITAGE RD
City	DRACUT
State	MA
Zip	01826-4300
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Subdivision	DEFINITIVE OPEN SP RESID L DEV
Legal Block	106
Legal Lot Number	19
Jurisdiction	DRACUT MA
Township / Civil Division	DRACUT
Census Block Group	3
Census Block	3019
Census Tract	314101

Owner

40 Heritage Rd is owned and occupied by an individual who bought it in December 2015.

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

Owner of Record	Individual Name on File
Mailing Address	40 HERITAGE RD, DRACUT, MA 01826-4300
Occupancy	Owner Occupied
Owner Type	Individual

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
Oct 27, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance HARVARD UNIVERSITY CREDIT UNION
Aug 10, 2019	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 2, 2015 · Amount on File
Deed Sale	Dec 2, 2015 · Amount on File
Prior Sale	Aug 5, 2003 · Amount on File
Deed Book / Page	29629 / 199
Transfer Doc	029629-199
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DRACUT MA
Property Address	40 HERITAGE RD, DRACUT, MA 01826-4300
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	037474-157
Date	Oct 27, 2022
Book Page	37474/157
Instrument	44580

Lender

Name	HARVARD UNIVERSITY CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	301 Months
Due	Nov 1, 2047

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DRACUT MA
Property Address	40 HERITAGE RD, DRACUT, MA 01826-4300
Document Number	33270-197
Instrument Date	Aug 10, 2019
Transaction Type	Mortgage
Record Updated	Sep 10, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 HERITAGE RD DRACUT MA 018264300, DRACUT, MA 01826-4300

Mortgage

Document Number	33270-197
Date	Aug 21, 2019
Book Page	033270/000197
Instrument	35180

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 20, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 40 Heritage Rd was $7,166, up 1.2% 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	$7,166.00 (+1.23%)	$741,100 (+5.95%) Land $259,300 Building $481,800	$748,790 (-)
2025	$7,079.00 (+2.83%)	$699,500 (+6.18%) Land $237,900 Building $461,600	$748,790 (+0.6%)
2024	$6,884.00 (+3.12%)	$658,800 (+14.28%) Land $226,600 Building $432,200	$744,325
2023	$6,676.00	$576,500 Land $197,000 Building $379,500

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

Flood

FEMA maps place 40 Heritage Rd 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 40 Heritage Rd 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 66% of the US · above 98.9% 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 and 4G LTE (outdoors only)

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