45 Cross St, Dracut, MA 01826 Property Records

Middlesex County and Dracut Town property record for 45 Cross St, Dracut, MA 01826

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,680 sqft · built 1956
Lot Size	0.248 acres (10,800 sqft)
Owner	2 Individual Names on Record
Last Sale	$360,500 (Oct 2018)
Tax Bill	$5,415 (2026)
Deeds & Mortgages	Nov 2021 Refinance Nov 2021 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`DRAC M:33 L:169`

Property Details

APN / Parcel Number

Primary APN	`DRAC M:33 L:169`
Alternative APNs	`M:0033 B:0000 L:0169` `627401`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,680 sqft Living Area
Gross Area	3,184 sqft
1st Floor Area	960 sqft
Basement Area	960 sqft
Unfinished Basement	960 sqft

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,800 sqft (0.248 acres)
Garage Type	Basement
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	627401
Street Address	45 CROSS ST
City	DRACUT
State	MA
Zip	01826-3320
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Lot Number	169
Jurisdiction	DRACUT MA
Township / Civil Division	DRACUT
Census Block Group	2
Census Block	2003
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	45 CROSS ST, DRACUT, MA 01826-3320
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Nov 24, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance TOTAL MORTGAGE SERVICES LLC
Nov 24, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance TOTAL MORTGAGE SERVICES LLC
Sep 25, 2019	Deed of Trust, Mortgage · FHA Mortgage ROSS MTG CO INC
Oct 5, 2018	Quit Claim Deed, Transfer · FHA Mortgage LENDUSA LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 5, 2018 · Amount on Record
Deed Sale	Oct 5, 2018 · Amount on Record
Prior Sale	May 15, 2003 · Amount on Record
Deed Book / Page	32466 / 1
Transfer Doc	00032466-1
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DRACUT MA
Property Address	45 CROSS ST, DRACUT, MA 01826-3320
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00036549-1
Date	Nov 24, 2021
Book Page	36549/1
Instrument	68537

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DRACUT MA
Property Address	45 CROSS ST, DRACUT, MA 01826-3320
Transaction Type	Mortgage
Record Updated	Dec 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36549-1
Date	Nov 24, 2021
Book Page	36549/1
Instrument	68537

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DRACUT MA
Property Address	45 CROSS ST, DRACUT, MA 01826-3320
Document Number	33398-59
Instrument Date	Sep 25, 2019
Transaction Type	Mortgage
Record Updated	Oct 15, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 CROSS ST DRACUT MA 018263320, DRACUT, MA 01826-3320

Mortgage

Document Number	33398-59
Date	Sep 30, 2019
Book Page	033398/000059
Instrument	42078

Lender

Name	ROSS MTG CO INC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 29, 2049

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DRACUT MA
Recording Date	Oct 5, 2018
Property Address	45 CROSS ST, DRACUT, MA 01826-3320
Document Number	32466-1
Book / Page	32466 / 1
Instrument	43815
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$41.06
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	324660005
Date	Oct 5, 2018
Instrument	32466/0005

Lender

Name	LENDUSA LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 5, 2048

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	$5,415.00 (+5.66%)	$560,000 (+10.58%) Land $210,700 Building $349,300	$531,810 (-)
2025	$5,125.00 (+0.75%)	$506,400 (+4.03%) Land $193,300 Building $313,100	$531,810 (+6.97%)
2024	$5,087.00 (+3.77%)	$486,800 (+15%) Land $184,100 Building $302,700	$497,135
2023	$4,902.00	$423,300 Land $160,000 Building $263,300

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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	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 261 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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