55 Elm St, Dracut, MA 01826 Property Records

Middlesex County and Dracut Town property record for 55 Elm St, Dracut, MA 01826

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,912 sqft · built 1934
Lot Size	0.372 acres (16,200 sqft)
Owner	Individual Name on Record
Last Sale	$560,000 (Jun 2022)
Tax Bill	$4,993 (2026)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Sep 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`DRAC M:33 L:179`

Property Details

APN / Parcel Number

Primary APN	`DRAC M:33 L:179`
Alternative APNs	`M:0033 B:0000 L:0179` `840908`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,912 sqft Living Area
Gross Area	3,338 sqft
1st Floor Area	1,028 sqft
Basement Area	992 sqft
Unfinished Basement	992 sqft

Exterior

Year Built	Built 1934
Effective Year Built	Effective 1934
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	16,200 sqft (0.372 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Account Number	840908
Street Address	55 ELM ST
City	DRACUT
State	MA
Zip	01826-3308
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Lot Number	179
Jurisdiction	DRACUT MA
Township / Civil Division	DRACUT
Census Block Group	2
Census Block	2000
Census Tract	314102

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	55 ELM ST, DRACUT, MA 01826-3308
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jun 15, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage ROCKET MORTGAGE
Sep 5, 2017	Deed of Trust, Mortgage DITECH FINANCIAL LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 15, 2022 · Amount on Record
Deed Sale	Jun 15, 2022 · Amount on Record
Prior Sale	Sep 28, 2006 · Amount on Record
Deed Book / Page	37151 / 35
Record Updated	Oct 29, 2026

June 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DRACUT MA
Recording Date	Jun 15, 2022
Property Address	55 ELM ST, DRACUT, MA 01826-3308
Document Number	0037151-35
Book / Page	37151 / 35
Instrument Date	Jun 15, 2022
Instrument	25662
Transaction Type	Transfer
Record Updated	Nov 20, 2025

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	55 ELM ST, DRACUT, MA 01826-3308

Mortgage

Document Number	0000025663
Date	Jun 15, 2022
Instrument	25663

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DRACUT MA
Property Address	55 ELM ST, DRACUT, MA 01826-3308
Transaction Type	Mortgage
Record Updated	Mar 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	31443-34
Date	Sep 5, 2017
Book Page	31443/34
Instrument	39416

Lender

Name	DITECH FINANCIAL LLC

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2047

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
2026	$4,993.00 (+6.55%)	$516,300 (+11.51%) Land $219,000 Building $297,300	$612,085 (-)
2025	$4,686.00 (+0.69%)	$463,000 (+3.95%) Land $200,900 Building $262,100	$612,085 (+5.52%)
2024	$4,654.00 (+4.56%)	$445,400 (+15.87%) Land $191,300 Building $254,100	$580,070
2023	$4,451.00	$384,400 Land $166,400 Building $218,000

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	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 261 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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