546 Hildreth St, Dracut, MA 01826 Property Records

Middlesex County and Dracut Town property record for 546 Hildreth St, Dracut, MA 01826

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,304 sqft · built 1906
Lot Size	0.232 acres (10,092 sqft)
Owner	Individual Name on File
Last Sale	$232,450 (Aug 2016)
Tax Bill	$5,805 (2026)
Deeds & Mortgages	Jul 2019 Mortgage Apr 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`DRAC M:49 L:161`

Property Details

APN / Parcel Number

Primary APN	`DRAC M:49 L:161`
Alternative APNs	`M:0049 B:0000 L:0161` `469430`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,304 sqft Living Area
Gross Area	4,997 sqft
1st Floor Area	960 sqft
Attic	Attic
Attic Area	960 sqft
Basement Area	960 sqft
Unfinished Basement	960 sqft

Exterior

Year Built	Built 1906
Effective Year Built	Effective 1906
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,092 sqft (0.232 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	469430
Street Address	546 HILDRETH ST
City	DRACUT
State	MA
Zip	01826-3624
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Lot Number	161
Jurisdiction	DRACUT MA
Township / Civil Division	DRACUT
Census Block Group	2
Census Block	2013
Census Tract	314200

Owner

546 Hildreth St is owned and occupied by an individual who bought it in August 2016.

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

Owner of Record	Individual Name on File
Mailing Address	546 HILDRETH ST, DRACUT, MA 01826-3624
Occupancy	Owner Occupied
Owner Type	Individual

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
Jul 8, 2019	Deed of Trust, Mortgage · FHA Mortgage HOME POINT FINANCIAL CORPORATION
Apr 6, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance UNITED WHOLESALE MORTGAGE
Nov 16, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance PENNYMAC LOAN SERVICES LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 17, 2016 · Amount on File
Deed Sale	Aug 17, 2016 · Amount on File
Prior Sale	Jun 15, 2016 · Amount on File
Deed Book / Page	30342 / 46
Transfer Doc	0030342-46
Record Updated	Oct 29, 2026

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DRACUT MA
Property Address	546 HILDRETH ST, DRACUT, MA 01826-3624
Transaction Type	Mortgage
Record Updated	Mar 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	33128-132
Date	Jul 8, 2019
Book Page	33128/132
Instrument	27037

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DRACUT MA
Property Address	546 HILDRETH ST, DRACUT, MA 01826-3624
Transaction Type	Mortgage
Record Updated	Mar 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	33988-58
Date	Apr 6, 2020
Book Page	33988/58
Instrument	14425

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DRACUT MA
Property Address	546 HILDRETH ST, DRACUT, MA 01826-3624
Transaction Type	Mortgage
Record Updated	Mar 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	34913-204
Date	Nov 16, 2020
Book Page	34913/204
Instrument	58547

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Dec 1, 2040

Tax Assessment & Valuation

The 2026 property tax bill for 546 Hildreth St was $5,805, up 5.5% 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	$5,805.00 (+5.51%)	$600,300 (+10.41%) Land $209,600 Building $390,700	$638,780 (-)
2025	$5,502.00 (+0.47%)	$543,700 (+3.76%) Land $192,300 Building $351,400	$638,780 (+2.24%)
2024	$5,476.00 (+4.48%)	$524,000 (+15.78%) Land $183,100 Building $340,900	$624,815
2023	$5,241.00	$452,600 Land $159,200 Building $293,400

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

Flood

FEMA maps place 546 Hildreth St 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	8 in force
Nearby Flood Claims	3 (1979–2006)
Claims Outside the SFHA	1 of 3
Most Recent Claim	May 2006 · Severe Storms And Flooding

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 546 Hildreth St 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 97% of the US · lower than 94% 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.

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 450 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
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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