7 Spruce Ln, Dracut, MA 01826 Property Records

Middlesex County and Dracut Town property record for 7 Spruce Ln, Dracut, MA 01826

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 2,754 sqft · built 2020
Lot Size	1.1 acres (47,916 sqft)
Owner	2 Individual Names on File
Last Sale	$240,000 (Jul 2020)
Tax Bill	$9,837 (2026)
Deeds & Mortgages	Aug 2026 Line of Credit Nov 2021 Refinance + 4 more
Flood Zone	Zone X (minimal risk)
APN	`DRAC M:20 B:61 L:8`

Property Details

APN / Parcel Number

Primary APN	`DRAC M:20 B:61 L:8`
Alternative APNs	`M:0020 B:0061 L:0008` `20618`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,754 sqft Living Area
Gross Area	6,594 sqft
Basement Area	2,210 sqft
Unfinished Basement	2,210 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Ranch
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	47,916 sqft (1.1 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	20618
Street Address	7 SPRUCE LN
City	DRACUT
State	MA
Zip	01826-1717
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	61
Legal Lot Number	8
Jurisdiction	DRACUT MA
Township / Civil Division	DRACUT
Census Block Group	2
Census Block	2004
Census Tract	314302

Owner

7 Spruce Ln is owned and occupied by two individuals who acquired it in July 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	7 SPRUCE LN, DRACUT, MA 01826-1717
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Aug 18, 2026	Deed of Trust, Mortgage · Line of Credit BELLWETHER COMMUNITY CREDIT UNION
Nov 1, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ENTERPRISE BANK & TRUST CO
Aug 21, 2020	Deed of Trust, Mortgage · Construction Mortgage ENTERPRISE BANK & TRUST CO
Aug 6, 2021	Quit Claim Deed, Transfer Quitclaim
Jul 7, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Dec 6, 2017	Quit Claim Deed, Transfer JEANNE D'ARC CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 7, 2020 · Amount on File
Deed Sale	Jul 7, 2020 · Amount on File
Prior Sale	Dec 6, 2017 · Amount on File
Deed Document Number	202030296
Deed Book / Page	34330 / 111
Last Transfer Date	Jul 30, 2025
Transfer Doc	039420-161
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DRACUT MA
Recording Date	Aug 18, 2026
Property Address	7 SPRUCE LN, DRACUT, MA 01826-1717
Document Number	0000027151
Book / Page	40288 / 57
Instrument Date	Aug 12, 2026
Instrument	202627151
Transaction Type	Mortgage
Record Updated	Sep 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7 SPRUCE LN, DRACUT, MA 01826-1717

Mortgage

Document Number	0000027151,
Date	Aug 18, 2026
Book Page	40288/57
Instrument	202627151

Lender

Name	BELLWETHER COMMUNITY CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Sep 1, 2051

Interest

Max Rate	-1%

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DRACUT MA
Property Address	7 SPRUCE LN, DRACUT, MA 01826-1717
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	036455-231
Date	Nov 1, 2021
Book Page	36455/231
Instrument	63854

Lender

Name	ENTERPRISE BANK & TRUST CO
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DRACUT MA
Property Address	7 SPRUCE LN, DRACUT, MA 01826-1717
Transaction Type	Mortgage
Record Updated	Mar 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	034523-164
Date	Aug 21, 2020
Book Page	34523/164
Instrument	39565

Lender

Name	ENTERPRISE BANK & TRUST CO
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record

August 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DRACUT MA
Recording Date	Aug 6, 2021
Property Address	7 SPRUCE LN, DRACUT, MA 01826-1717
Document Number	036098-268
Book / Page	36098 / 268
Instrument Date	Aug 5, 2021
Instrument	46352
Transaction Type	Transfer
Record Updated	Mar 18, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7 SPRUCE LN, DRACUT, MA 01826-1717

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DRACUT MA
Recording Date	Jul 7, 2020
Property Address	7 SPRUCE LN, DRACUT, MA 01826-1717
Document Number	34330-111
Book / Page	034330 / 000111
Instrument Date	Jul 7, 2020
Instrument	30296
Transaction Type	Transfer
Record Updated	Jul 28, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$1,094.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2 BRIDGEVIEW CIR TYNGSBORO MA 018792000, TYNGSBORO, MA 01879-2000

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DRACUT MA
Recording Date	Dec 6, 2017
Property Address	7 SPRUCE LN, DRACUT, MA 01826-1717
Document Number	31705-163
Book / Page	031705 / 000163
Instrument Date	Dec 4, 2017
Instrument	54968
Transaction Type	Transfer
Record Updated	Jan 3, 2018

Transaction

Amount	Amount on Record
Tax	$912.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	113 AUTUMN RD DRACUT MA 018261696, DRACUT, MA 01826-1696

Mortgage

Document Number	31705-167
Date	Dec 6, 2017
Book Page	031705/000167
Instrument	54969

Lender

Name	JEANNE D'ARC CU
Type	Credit Union

Agreement

Amount	Amount on Record
Term	360 Months
Due	Dec 5, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.75%

Tax Assessment & Valuation

The 2026 property tax bill for 7 Spruce Ln was $9,837, up 3.4% 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	$9,837.00 (+3.35%)	$1,017,300 (+8.17%) Land $279,300 Building $738,000	$820,040 (-)
2025	$9,518.00 (-0.78%)	$940,500 (+2.45%) Land $256,200 Building $684,300	$820,040 (+4.94%)
2024	$9,593.00 (+3.65%)	$918,000 (+14.86%) Land $244,200 Building $673,800	$781,470
2023	$9,255.00	$799,200 Land $212,500 Building $586,700

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

Flood

FEMA maps place 7 Spruce Ln in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2001.

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	2 (2001–2006)
Claims Outside the SFHA	2 of 2
Most Recent Claim	May 2006 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, May 2006 · 2 claims

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 7 Spruce Ln is low, with 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 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 102 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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