46 Valera St, Dracut, MA 01826 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,572 sqft · built 1965
Lot Size	0.275 acres (12,000 sqft)
Owner	2 Individual Names on File
Last Sale	$140,000 (Jan 1999)
Tax Bill	$4,895 (2026)
Deeds & Mortgages	Jan 2022 Refinance Jun 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`DRAC M:58 L:142`

Property Details

APN / Parcel Number

Primary APN	`DRAC M:58 L:142`
Alternative APNs	`M:0058 B:0000 L:0142` `784619`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,572 sqft Living Area
Gross Area	3,102 sqft
1st Floor Area	1,572 sqft
Basement Area	968 sqft
Unfinished Basement	968 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,000 sqft (0.275 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	784619
Street Address	46 VALERA ST
City	DRACUT
State	MA
Zip	01826-4530
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Lot Number	142
Jurisdiction	DRACUT MA
Township / Civil Division	DRACUT
Census Block Group	1
Census Block	1008
Census Tract	314102

Owner

46 Valera St is owned and occupied by two individuals who bought it in January 1999.

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

Owner of Record	2 Individual Names on File
Mailing Address	46 VALERA ST, DRACUT, MA 01826-4530
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
Jan 12, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance WASHINGTON SAVINGS BANK
Jun 2, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance WASHINGTON SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 29, 1999 · Amount on File
Deed Sale	Jan 29, 1999 · Amount on File
Prior Sale	Aug 28, 1995 · Amount on File
Deed Book / Page	9903 / 71
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DRACUT MA
Property Address	46 VALERA ST, DRACUT, MA 01826-4530
Transaction Type	Mortgage
Record Updated	Jan 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0036717-46
Date	Jan 12, 2022
Book Page	36717/46
Instrument	1820

Lender

Name	WASHINGTON SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Feb 1, 2037

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DRACUT MA
Property Address	46 VALERA ST, DRACUT, MA 01826-4530
Transaction Type	Mortgage
Record Updated	Mar 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	34195-19
Date	Jun 2, 2020
Book Page	34195/19
Instrument	23694

Lender

Name	WASHINGTON SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 46 Valera St was $4,895, up 3.4% 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	$4,895.00 (+3.38%)	$506,200 (+8.19%) Land $212,600 Building $293,600	$487,255 (-)
2025	$4,735.00 (+0.64%)	$467,900 (+3.93%) Land $195,000 Building $272,900	$487,255 (+4.89%)
2024	$4,705.00 (-0.06%)	$450,200 (+10.72%) Land $185,700 Building $264,500	$464,550
2023	$4,708.00	$406,600 Land $161,400 Building $245,200

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

Flood

FEMA maps place 46 Valera St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1987.

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 Claims	3 (1987–2010)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Jan 2010 · rainfall accumulation

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 46 Valera St 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 362 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

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