48 Stone St, Dracut, MA 01826 Property Records

Middlesex County and Chelmsford Town property record for 48 Stone St, Dracut, MA 01826

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,480 sqft · built 1910
Lot Size	0.7 acres (30,492 sqft)
Owner	2 Individual Names on File
Last Sale	$716,000 (May 2022)
Tax Bill	$9,313 (2026)
Deeds & Mortgages	May 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`CHEL M:0051 B:0131 L:48`

Property Details

APN / Parcel Number

Primary APN	`CHEL M:0051 B:0131 L:48`
Alternative APN	`3895`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,480 sqft Living Area
Gross Area	4,722 sqft
1st Floor Area	1,184 sqft
Attic	Attic
Attic Area	1,080 sqft
Basement Area	1,104 sqft
Unfinished Basement	1,104 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Conventional
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	30,492 sqft (0.7 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Account Number	3895
Street Address	48 STONE ST
City	DRACUT
State	MA
Zip	01826-3838
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RB
Legal Subdivision	ORCHARD
Legal Block	131
Legal Lot Number	48
Jurisdiction	CHELMSFORD MA
Township / Civil Division	CHELMSFORD
Census Block Group	2
Census Block	2015
Census Tract	317203

Owner

Source: Middlesex County and Chelmsford 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	2 Individual Names on File
Mailing Address	48 STONE ST, DRACUT, MA 01826-3838
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 4, 2022 · Amount on File
Deed Sale	May 4, 2022 · Amount on File
Prior Sale	Jul 18, 2014 · Amount on File
Deed Book / Page	37035 / 130
Record Updated	Oct 29, 2026

May 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHELMSFORD MA
Recording Date	May 4, 2022
Property Address	48 STONE ST, DRACUT, MA 01826-3838
Document Number	037035-130
Book / Page	37035 / 130
Instrument Date	May 4, 2022
Instrument	19221
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount on Record
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
Relationship	Tenants by the Entirety
Address	48 STEDMAN ST, CHELMSFORD, MA 01824-1834

Mortgage

Document Number	0000019222
Date	May 4, 2022
Instrument	19222

Lender

Name	PARAMOUNT RESIDENTIAL MORTGAGE GROU
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

Source: Middlesex County and Chelmsford Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
County Subdivision	Chelmsford Town
Unified School District	Chelmsford School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$9,313.00 (+10.45%)	$701,800 (+15.69%) Land $323,700 Building $378,100	$866,495 (-)
2025	$8,432.00 (+4.88%)	$606,600 (+2.76%) Land $294,900 Building $311,700	$866,495 (+4.43%)
2024	$8,040.00 (+19.5%)	$590,300 (+26.08%) Land $294,900 Building $295,400	$829,730
2023	$6,728.00	$468,200 Land $313,800 Building $154,400

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 · 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 Policies	2 in force
Nearby Flood Claims	3 (1978–1984)
Most Recent Claim	Mar 1984 · 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CHELMSFORD WATER DISTRICT serves 28,750 people · EPA ID MA3056000
Water Source	Groundwater
Last State Inspection	Nov 2024
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes not recorded as resolved · Jan 2026
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 345 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable	2,000 / 2,000