50 Stephen Ave, Dracut, MA 01826 Property Records

Middlesex County and Dracut Town property record for 50 Stephen Ave, Dracut, MA 01826

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 944 sqft · built 1959
Lot Size	0.253 acres (11,003 sqft)
Owner	2 Individual Names on Record
Last Sale	$545,000 (Dec 2025)
Tax Bill	$4,337 (2025)
Deeds & Mortgages	Jan 2021 Refinance Dec 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`DRAC M:18 L:75`

Property Details

APN / Parcel Number

Primary APN	`DRAC M:18 L:75`
Alternative APNs	`M:0018 B:0000 L:0075` `647128`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	944 sqft Living Area
Gross Area	2,072 sqft
1st Floor Area	944 sqft
Basement Area	912 sqft
Unfinished Basement	912 sqft

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Architectural Style	Raised Ranch
Exterior Material	Combination
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,003 sqft (0.253 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	647128
Street Address	50 STEPHEN AVE
City	DRACUT
State	MA
Zip	01826-1333
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Lot Number	75
Jurisdiction	DRACUT MA
Township / Civil Division	DRACUT
Census Block Group	3
Census Block	3004
Census Tract	314200

Owner

Source: Middlesex County and Dracut Town records, as of July 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	50 STEPHEN AVE, DRACUT, MA 01826-1333
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jan 6, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC
Dec 17, 2025	Quit Claim Deed, Transfer · Conventional Mortgage AMERICAN FINANCIAL RESOURCES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 17, 2025 · Amount on Record
Deed Sale	Dec 17, 2025 · Amount on Record
Prior Sale	Nov 10, 2015 · Amount on Record
Deed Document Number	2025328512
Record Updated	Sep 20, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DRACUT MA
Property Address	50 STEPHEN AVE, DRACUT, MA 01826-1333
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000308830
Date	Jan 6, 2021
Instrument	308830

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2036

December 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DRACUT MA
Recording Date	Dec 17, 2025
Property Address	50 STEPHEN AVE, DRACUT, MA 01826-1333
Document Number	0000328512
Instrument Date	Dec 17, 2025
Instrument	328512
Transaction Type	Transfer
Record Updated	Jan 7, 2026

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
Relationship	Tenants by the Entirety
Address	50 STEPHEN AVE, DRACUT, MA 01826-1333

Mortgage

Document Number	0000328513
Date	Dec 17, 2025
Instrument	328513

Lender

Name	AMERICAN FINANCIAL RESOURCES INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

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
2025	$4,337.00 (-1.12%)	$428,600 (+2.12%) Land $193,600 Building $235,000	$537,795 (+16.17%)
2024	$4,386.00 (+0.07%)	$419,700 (+10.89%) Land $184,300 Building $235,400	$462,935
2023	$4,383.00	$378,500 Land $160,300 Building $218,200

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
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	2 (1978–1979)
Most Recent Claim	Jan 1979 · 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	Not rated no burnable land within 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 133 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Verizon.

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