46 Saint James St, Dracut, MA 01826 Property Records

Middlesex County and Dracut Town property record for 46 Saint James St, Dracut, MA 01826

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,898 sqft · built 2019
Lot Size	0.343 acres (14,932 sqft)
Owner	Individual Name on Record
Last Sale	$459,900 (Dec 2019)
Tax Bill	$6,612 (2026)
Deeds & Mortgages	May 2019 Refinance Dec 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`DRAC M:33 L:204`

Property Details

APN / Parcel Number

Primary APN	`DRAC M:33 L:204`
Alternative APNs	`M:0033 B:0000 L:0204` `592320`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,898 sqft Living Area
Gross Area	2,958 sqft
1st Floor Area	651 sqft
Basement Area	525 sqft
Unfinished Basement	525 sqft

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	14,932 sqft (0.343 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	592320
Street Address	46 SAINT JAMES ST
City	DRACUT
State	MA
Zip	01826-3313
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Lot Number	204
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	46 SAINT JAMES ST, DRACUT, MA 01826-3313
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 30, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance WASHINGTON SAVINGS BANK
Dec 20, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage HARBORONE MORTGAGE
Oct 17, 2018	Quit Claim Deed, Transfer JAMES J DOLLIVER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 20, 2019 · Amount on Record
Deed Sale	Dec 20, 2019 · Amount on Record
Prior Sale	Oct 17, 2018 · Amount on Record
Deed Document Number	201957691
Deed Book / Page	33682 / 124
Transfer Doc	0032492-48
Record Updated	Oct 29, 2026

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DRACUT MA
Property Address	46 SAINT JAMES ST, DRACUT, MA 01826-3313
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	33016-82
Date	May 30, 2019
Book Page	33016/82
Instrument	20597

Lender

Name	WASHINGTON SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DRACUT MA
Recording Date	Dec 20, 2019
Property Address	46 SAINT JAMES ST, DRACUT, MA 01826-3313
Document Number	33682-124
Book / Page	33682 / 124
Instrument Date	Dec 19, 2019
Instrument	57691
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 SAINT JAMES ST, DRACUT, MA 01826-3313

Mortgage

Document Number	57692
Date	Dec 20, 2019
Instrument	57692

Lender

Name	HARBORONE MORTGAGE

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DRACUT MA
Recording Date	Oct 17, 2018
Property Address	46 SAINT JAMES ST, DRACUT, MA 01826-3313
Document Number	32492-48
Book / Page	32492 / 48
Instrument	45496
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$28.48
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	324920054
Date	Oct 17, 2018
Instrument	32492/0054

Lender

Name	JAMES J DOLLIVER

Agreement

Amount	Amount Recorded

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	$6,612.00 (+0.39%)	$683,800 (+5.07%) Land $217,000 Building $466,800	$590,140 (-)
2025	$6,586.00 (+1.71%)	$650,800 (+5.04%) Land $199,100 Building $451,700	$590,140 (+6.42%)
2024	$6,475.00 (+2.42%)	$619,600 (+13.5%) Land $189,600 Building $430,000	$554,515
2023	$6,322.00	$545,900 Land $164,900 Building $381,000

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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