Middlesex County and Dracut Town property record for 74 Oak Ter, Dracut, MA 01826
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,422 sqft · built 1955 |
| Lot Size | 0.597 acres (26,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $115,900 (Dec 1995) |
| Tax Bill | $5,246 (2026) |
| Deeds & Mortgages | Feb 2020 Mortgage Jul 2020 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | DRAC M:32 L:31 |
| Primary APN | DRAC M:32 L:31 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,422 sqft Living Area |
| Gross Area | 3,192 sqft |
| 1st Floor Area | 1,128 sqft |
| Attic | Attic |
| Attic Area | 840 sqft |
| Basement Area | 840 sqft |
| Unfinished Basement | 840 sqft |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 26,000 sqft (0.597 acres) |
| Deck Area | Deck Area |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 618736 |
|---|---|
| Street Address | 74 OAK TER |
| City | DRACUT |
| State | MA |
| Zip | 01826-3108 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Lot Number | 31 |
| Jurisdiction | DRACUT MA |
| Township / Civil Division | DRACUT |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 314101 |
74 Oak Ter is owned and occupied by an individual who bought it in December 1995.
Source: Middlesex County and Dracut Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 74 OAK TER, DRACUT, MA 01826-3108 |
| 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.
| Date | Document |
|---|---|
| Feb 7, 2020 | Deed of Trust, Mortgage · Balloon Mortgage FIGURE LENDING LCC |
| Jul 22, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance ENVISION BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 29, 1995 · Amount on File |
| Deed Sale | Dec 29, 1995 · Amount on File |
| Deed Book / Page | 7817 / 33 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DRACUT MA |
| Property Address | 74 OAK TER, DRACUT, MA 01826-3108 |
| Transaction Type | Mortgage |
| Record Updated | Mar 15, 2021 |
| Name | Verified Name |
|---|
| Document Number | 33813-196 |
|---|---|
| Date | Feb 7, 2020 |
| Book Page | 33813/196 |
| Instrument | 5502 |
| Name | FIGURE LENDING LCC |
|---|
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 61 Months |
| Due | Mar 1, 2025 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DRACUT MA |
| Property Address | 74 OAK TER, DRACUT, MA 01826-3108 |
| Transaction Type | Mortgage |
| Record Updated | Mar 15, 2021 |
| Name | Verified Name |
|---|
| Document Number | 34391-33 |
|---|---|
| Date | Jul 22, 2020 |
| Book Page | 34391/33 |
| Instrument | 33138 |
| Name | ENVISION BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Aug 1, 2040 |
The 2026 property tax bill for 74 Oak Ter was $5,246, up 3.9% 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 | $5,246.00 (+3.94%) | $542,500 (+8.78%) Land $233,200 Building $309,300 | $447,165 (-) |
| 2025 | $5,047.00 (+3.63%) | $498,700 (+7.02%) Land $213,900 Building $284,800 | $447,165 (-0.15%) |
| 2024 | $4,870.00 (+0.64%) | $466,000 (+11.51%) Land $203,700 Building $262,300 | $447,830 |
| 2023 | $4,839.00 | $417,900 Land $177,000 Building $240,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 74 Oak 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 A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 1 (2014) |
| Most Recent Claim | Mar 2014 · river or lake 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 risk around 74 Oak Ter 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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 150 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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