Middlesex County and Dracut Town property record for 45 Saddle Rd, Dracut, MA 01826
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,488 sqft · built 2016 |
| Lot Size | 0.462 acres (20,144 sqft) |
| Owner | Individual Name on File |
| Last Sale | $511,669 (Jun 2016) |
| Tax Bill | $7,665 (2026) |
| Deeds & Mortgages | Dec 2021 Refinance Dec 2018 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | DRAC M:19 B:42 L:1.19 |
| Primary APN | DRAC M:19 B:42 L:1.19 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,488 sqft Living Area |
| Gross Area | 4,112 sqft |
| 1st Floor Area | 1,460 sqft |
| Basement Area | 804 sqft |
| Unfinished Basement | 804 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2016 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 20,144 sqft (0.462 acres) |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 45 SADDLE RD |
|---|---|
| City | DRACUT |
| State | MA |
| Zip | 01826-1383 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Block | 42 |
| Legal Lot Number | 1.19 |
| Jurisdiction | DRACUT MA |
| Township / Civil Division | DRACUT |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 314301 |
45 Saddle Rd is owned and occupied by an individual who bought it in June 2016.
Source: Middlesex County and Dracut Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 45 SADDLE RD, DRACUT, MA 01826-1383 |
| 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.
| Date | Document |
|---|---|
| Dec 27, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance FAIRWAY INDEPENDENT MORTGAGE CORP |
| Dec 28, 2018 | Deed of Trust, Mortgage · Stand-Alone Refinance MERRIMACK VALLEY FCU |
| Jun 16, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance MERRIMACK VALLEY FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 24, 2016 · Amount on File |
| Deed Sale | Jun 24, 2016 · Amount on File |
| Prior Sale | Sep 9, 1986 · Amount on File |
| Deed Book / Page | 30164 / 145 |
| Transfer Doc | 030164-145 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DRACUT MA |
| Property Address | 45 SADDLE RD, DRACUT, MA 01826-1383 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0036665-91 |
|---|---|
| Date | Dec 27, 2021 |
| Book Page | 36665/91 |
| Instrument | 74622 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DRACUT MA |
| Property Address | 45 SADDLE RD, DRACUT, MA 01826-1383 |
| Transaction Type | Mortgage |
| Record Updated | Mar 15, 2021 |
| Name | Verified Name |
|---|
| Document Number | 32676-254 |
|---|---|
| Date | Dec 28, 2018 |
| Book Page | 32676/254 |
| Instrument | 56639 |
| Name | MERRIMACK VALLEY FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Jan 1, 2029 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DRACUT MA |
| Property Address | 45 SADDLE RD, DRACUT, MA 01826-1383 |
| Transaction Type | Mortgage |
| Record Updated | Mar 15, 2021 |
| Name | Verified Name |
|---|
| Document Number | 34249-137 |
|---|---|
| Date | Jun 16, 2020 |
| Book Page | 34249/137 |
| Instrument | 26400 |
| Name | MERRIMACK VALLEY FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2050 |
The 2026 property tax bill for 45 Saddle Rd was $7,665, up 0.5% from the year before.
Source: Middlesex County and Dracut Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Dracut Town |
| Unified School District | Dracut School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $7,665.00 (+0.46%) | $792,700 (+5.13%) Land $258,800 Building $533,900 | $814,055 (-) |
| 2025 | $7,630.00 (+1.84%) | $754,000 (+5.18%) Land $237,300 Building $516,700 | $814,055 (+6.04%) |
| 2024 | $7,492.00 (+2.43%) | $716,900 (+13.51%) Land $226,100 Building $490,800 | $767,695 |
| 2023 | $7,314.00 | $631,600 Land $196,600 Building $435,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 45 Saddle Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 2 (1979–1982) |
| Most Recent Claim | Jun 1982 · tidal / storm surge |
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 risk around 45 Saddle Rd 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 93% of the US · lower than 83% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 111 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 |
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