40 Vinal St, Dracut, MA 01826 Property Records

Middlesex County and Dracut Town property record for 40 Vinal St, Dracut, MA 01826

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,056 sqft · built 1986
Lot Size	0.56 acres (24,412 sqft)
Owner	2 Individual Names on Record
Last Sale	$239,900 (Aug 2010)
Tax Bill	$5,281 (2026)
Deeds & Mortgages	Mar 2018 Line of Credit Jul 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`DRAC M:33 B:216 L:2`

Property Details

APN / Parcel Number

Primary APN	`DRAC M:33 B:216 L:2`
Alternative APNs	`M:0033 B:0216 L:0002` `863329`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,056 sqft Living Area
Gross Area	2,304 sqft
1st Floor Area	1,056 sqft
Basement Area	1,056 sqft
Unfinished Basement	1,056 sqft

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	24,412 sqft (0.56 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	863329
Street Address	40 VINAL ST
City	DRACUT
State	MA
Zip	01826-3317
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	B3
Legal Block	216
Legal Lot Number	2
Jurisdiction	DRACUT MA
Township / Civil Division	DRACUT
Census Block Group	2
Census Block	2000
Census Tract	314102

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	40 VINAL ST, DRACUT, MA 01826-3317
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Mar 30, 2018	Deed of Trust, Mortgage · Line of Credit LOWELL FIVE CENTS SAVINGS BANK
Jul 1, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance ENVISION BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 10, 2010 · Amount on Record
Deed Sale	Aug 10, 2010 · Amount on Record
Prior Sale	Apr 12, 2010 · Amount on Record
Deed Document Number	201034987
Deed Book / Page	24164 / 284
Transfer Doc	23735-296
Record Updated	Oct 29, 2026

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DRACUT MA
Property Address	40 VINAL ST, DRACUT, MA 01826-3317
Transaction Type	Mortgage
Record Updated	Mar 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	31966-205
Date	Mar 30, 2018
Book Page	31966/205
Instrument	12530

Lender

Name	LOWELL FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DRACUT MA
Property Address	40 VINAL ST, DRACUT, MA 01826-3317
Transaction Type	Mortgage
Record Updated	Mar 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	34311-38
Date	Jul 1, 2020
Book Page	34311/38
Instrument	29400

Lender

Name	ENVISION BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Aug 1, 2040

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
2026	$5,281.00 (+3.43%)	$546,100 (+8.25%) Land $231,000 Building $315,100	$436,620 (-)
2025	$5,106.00 (-1.92%)	$504,500 (+1.26%) Land $211,800 Building $292,700	$436,620 (+5.78%)
2024	$5,206.00 (+4.31%)	$498,200 (+15.59%) Land $201,700 Building $296,500	$412,775
2023	$4,991.00	$431,000 Land $175,400 Building $255,600

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 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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