77 Varnum Rd, Dracut, MA 01826 Property Records

Middlesex County and Dracut Town property record for 77 Varnum Rd, Dracut, MA 01826

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,132 sqft · built 1980
Lot Size	0.922 acres (40,148 sqft)
Owner	Individual Name on Record
Last Sale	$513,200 (Oct 2022)
Tax Bill	$5,639 (2026)
Deeds & Mortgages	Jul 2021 Mortgage Oct 2022 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`214705`

Property Details

APN / Parcel Number

Primary APN	`214705`
Alternative APNs	`DRAC M:24 B:233 L:12` `M:0024 B:0233 L:0012`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,132 sqft Living Area
Gross Area	2,426 sqft
1st Floor Area	1,132 sqft
Basement Area	504 sqft
Unfinished Basement	504 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	40,148 sqft (0.922 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Account Number	214705
Street Address	77 VARNUM RD
City	DRACUT
State	MA
Zip	01826-3043
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	233
Legal Lot Number	12
Jurisdiction	DRACUT MA
Township / Civil Division	DRACUT
Census Block Group	2
Census Block	2016
Census Tract	314101

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	77 VARNUM RD, DRACUT, MA 01826-3043
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Jul 26, 2021	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Oct 18, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage ENVOY MORTGAGE LTD
Jul 29, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage QS LENDING T
Jul 5, 2018	Deed of Trust, Mortgage · FHA Mortgage NEW PENN FINANCIAL LLC
Feb 21, 2019	Deed of Trust, Mortgage · FHA Mortgage NEWREZ LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 18, 2022 · Amount on Record
Deed Sale	Oct 18, 2022 · Amount on Record
Prior Sale	Jul 29, 2022 · Amount on Record
Deed Book / Page	37452 / 32
Prior Transfer Date	Oct 17, 2022
Prior Transfer Doc	0037452-32
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DRACUT MA
Property Address	77 VARNUM RD, DRACUT, MA 01826-3043
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	036044-134
Date	Jul 26, 2021
Book Page	36044/134
Instrument	43653

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

October 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DRACUT MA
Recording Date	Oct 18, 2022
Property Address	77 VARNUM RD, DRACUT, MA 01826-3043
Document Number	0037452-32
Book / Page	37452 / 32
Instrument Date	Oct 17, 2022
Instrument	43228
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	30 READ ST, LOWELL, MA 01850-2547

Mortgage

Document Number	0000043229
Date	Oct 18, 2022
Instrument	43229

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

July 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DRACUT MA
Recording Date	Jul 29, 2022
Property Address	77 VARNUM RD, DRACUT, MA 01826-3043
Document Number	037267-284
Book / Page	37267 / 284
Instrument Date	Jul 28, 2022
Instrument	32511
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
Address	10 TAFT DR, WINCHESTER, MA 01890-3748
Investor	Possibly a Property Investor

Mortgage

Document Number	0000032512
Date	Jul 29, 2022
Instrument	32512

Lender

Name	QS LENDING T

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DRACUT MA
Property Address	77 VARNUM RD, DRACUT, MA 01826-3043
Transaction Type	Mortgage
Record Updated	Mar 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	32219-98
Date	Jul 5, 2018
Book Page	32219/98
Instrument	28529

Lender

Name	NEW PENN FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2048

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DRACUT MA
Property Address	77 VARNUM RD, DRACUT, MA 01826-3043
Transaction Type	Mortgage
Record Updated	Mar 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	32780-172
Date	Feb 21, 2019
Book Page	32780/172
Instrument	6467

Lender

Name	NEWREZ LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2049

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	$5,639.00 (+2.29%)	$583,100 (+7.03%) Land $249,500 Building $333,600	$498,465 (-)
2025	$5,513.00 (-0.29%)	$544,800 (+2.97%) Land $228,900 Building $315,900	$498,465 (-0.23%)
2024	$5,529.00 (+4.4%)	$529,100 (+15.7%) Land $218,100 Building $311,000	$499,605
2023	$5,296.00	$457,300 Land $189,700 Building $267,600

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 · 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	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

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 306 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

May also be available: AT&T.

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