Middlesex County and Dracut Town property record for 51 Elsmere Ter, Dracut, MA 01826
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,378 sqft · built 1954 |
| Lot Size | 0.37 acres (16,135 sqft) |
| Owner | Trust Name on File |
| Last Sale | $330,000 (Feb 2016) |
| Tax Bill | $5,736 (2026) |
| Deeds & Mortgages | Sep 2023 Transfer Oct 2020 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | DRAC M:71 L:72 |
| Primary APN | DRAC M:71 L:72 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,378 sqft Living Area |
| Gross Area | 2,603 sqft |
| 1st Floor Area | 1,378 sqft |
| Basement Area | 1,156 sqft |
| Unfinished Basement | 867 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1954 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 16,135 sqft (0.37 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Account Number | 742034 |
|---|---|
| Street Address | 51 ELSMERE TER |
| City | DRACUT |
| State | MA |
| Zip | 01826-5743 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | B3 |
| Legal Lot Number | 72 |
| Jurisdiction | DRACUT MA |
| Township / Civil Division | DRACUT |
| Census Block Group | 4 |
| Census Block | 4014 |
| Census Tract | 314301 |
51 Elsmere Ter is owner-occupied and held in a trust since September 2023.
Source: Middlesex County and Dracut Town records, as of October 20, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 51 ELSMERE TER, DRACUT, MA 01826-5743 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
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 |
|---|---|
| Sep 7, 2023 | Quit Claim Deed, Transfer Quitclaim |
| Oct 29, 2020 | Deed of Trust, Mortgage · Line of Credit HANSCOM FCU |
| Feb 26, 2018 | Deed of Trust, Mortgage · Conventional with PMI JEANNE D'ARC CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 4, 2016 · Amount on File |
| Deed Sale | Feb 4, 2016 · Amount on File |
| Prior Sale | Aug 25, 2015 · Amount on File |
| Deed Book / Page | 29788 / 50 |
| Last Transfer Date | Sep 6, 2023 |
| Transfer Doc | 038057-182 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | DRACUT MA |
| Recording Date | Sep 7, 2023 |
| Property Address | 51 ELSMERE TER, DRACUT, MA 01826-5743 |
| Document Number | 038057-182 |
| Book / Page | 38057 / 182 |
| Instrument Date | Sep 6, 2023 |
| Instrument | 26483 |
| Transaction Type | Transfer |
| Record Updated | Sep 22, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 51 ELSMERE TER, DRACUT, MA 01826-5743 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DRACUT MA |
| Property Address | 51 ELSMERE TER, DRACUT, MA 01826-5743 |
| Transaction Type | Mortgage |
| Record Updated | Jun 24, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0034836-42 |
|---|---|
| Date | Oct 29, 2020 |
| Book Page | 34836/42 |
| Instrument | 54646 |
| Name | HANSCOM FCU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2050 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DRACUT MA |
| Property Address | 51 ELSMERE TER, DRACUT, MA 01826-5743 |
| Document Number | 31902-195 |
| Instrument Date | Feb 26, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Mar 20, 2018 |
| Name | Verified Name |
|---|
| Document Number | 31902-195 |
|---|---|
| Date | Mar 2, 2018 |
| Book Page | 031902/000195 |
| Instrument | 8544 |
| Name | JEANNE D'ARC CU |
|---|---|
| Type | Credit Union |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2048 |
The 2026 property tax bill for 51 Elsmere Ter was $5,736, up 4.4% 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 | $5,736.00 (+4.44%) | $593,200 (+9.31%) Land $240,800 Building $352,400 | $505,875 (-) |
| 2025 | $5,492.00 (+0.44%) | $542,700 (+3.71%) Land $220,900 Building $321,800 | $505,875 (+1.2%) |
| 2024 | $5,468.00 (+4.35%) | $523,300 (+15.65%) Land $210,300 Building $313,000 | $499,890 |
| 2023 | $5,240.00 | $452,500 Land $182,900 Building $269,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 51 Elsmere Ter 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 |
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 51 Elsmere Ter 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 99.1% of the US · lower than 98.7% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 | KENWOOD WATER DISTRICT serves 9,620 people · EPA ID MA3079001 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Sep 2024 |
| Lead | 2 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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.
Source: FCC Broadband Data Collection, based on 297 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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