40 Orchard Ave, Dracut, MA 01826 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,808 sqft · built 2012
Lot Size	1.26 acres (54,886 sqft)
Owner	2 Individual Names on File
Last Sale	$329,900 (Dec 2012)
Tax Bill	$6,314 (2026)
Deeds & Mortgages	Feb 2026 Mortgage Oct 2022 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`DRAC M:31 L:112`

Property Details

APN / Parcel Number

Primary APN	`DRAC M:31 L:112`
Alternative APNs	`M:0031 B:0000 L:0112` `775525`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,808 sqft Living Area
Gross Area	2,856 sqft
1st Floor Area	904 sqft
Basement Area	332 sqft
Unfinished Basement	332 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	54,886 sqft (1.26 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	775525
Street Address	40 ORCHARD AVE
City	DRACUT
State	MA
Zip	01826-2934
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Lot Number	112
Jurisdiction	DRACUT MA
Township / Civil Division	DRACUT
Census Block Group	3
Census Block	3017
Census Tract	314101

Owner

40 Orchard Ave is owned and occupied by two individuals who bought it in December 2012.

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

Owner of Record	2 Individual Names on File
Mailing Address	40 ORCHARD AVE, DRACUT, MA 01826-2934
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Feb 3, 2026	Deed of Trust, Mortgage · Conventional Mortgage WASHINGTON SAVINGS BANK
Oct 26, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance WASHINGTON SAVINGS BANK
May 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage HARBORONE MTG LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 3, 2012 · Amount on File
Deed Sale	Dec 3, 2012 · Amount on File
Prior Sale	Jan 18, 2012 · Amount on File
Deed Book / Page	208 / 191
Transfer Doc	000208-191
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DRACUT MA
Property Address	40 ORCHARD AVE, DRACUT, MA 01826-2934
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000328924
Date	Feb 3, 2026
Instrument	328924

Lender

Name	WASHINGTON SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	121 Months
Due	Mar 1, 2036

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DRACUT MA
Property Address	40 ORCHARD AVE, DRACUT, MA 01826-2934
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000318061
Date	Oct 26, 2022
Instrument	318061

Lender

Name	WASHINGTON SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	61 Months
Due	Nov 1, 2027

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DRACUT MA
Property Address	40 ORCHARD AVE, DRACUT, MA 01826-2934
Document Number	0000305150
Instrument Date	May 8, 2020
Transaction Type	Mortgage
Record Updated	Jun 24, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	40 ORCHARD AVE DRACUT MA 018262934, DRACUT, MA 01826-2934

Mortgage

Document Number	0000305150
Date	May 12, 2020
Instrument	305150

Lender

Name	HARBORONE MTG LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 11, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 40 Orchard Ave was $6,314, up 0.8% 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	$6,314.00 (+0.77%)	$652,900 (+5.44%) Land $253,700 Building $399,200	$563,540 (-)
2025	$6,266.00 (+2.49%)	$619,200 (+5.83%) Land $232,700 Building $386,500	$563,540 (+1.19%)
2024	$6,114.00 (+3.28%)	$585,100 (+14.46%) Land $221,800 Building $363,300	$556,890
2023	$5,920.00	$511,200 Land $193,000 Building $318,200

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

Flood

FEMA maps place 40 Orchard 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 40 Orchard Ave is low, with 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 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% 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 150 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 and 4G LTE (outdoors only)

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