81 Elm St, Dracut, MA 01826 Property Records

Middlesex County and Dracut Town property record for 81 Elm St, Dracut, MA 01826

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,600 sqft · built 1955
Lot Size	0.589 acres (25,651 sqft)
Owner	Individual Name on File
Last Sale	$135,000 (Jun 1999)
Tax Bill	$4,947 (2026)
Deeds & Mortgages	Nov 2023 Line of Credit Nov 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`DRAC M:32 L:112`

Property Details

APN / Parcel Number

Primary APN	`DRAC M:32 L:112`
Alternative APNs	`M:0032 B:0000 L:0112` `405224`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,600 sqft Living Area
Gross Area	3,244 sqft
1st Floor Area	768 sqft
Attic	Attic
Attic Area	768 sqft
Basement Area	768 sqft
Unfinished Basement	768 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	25,651 sqft (0.589 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	405224
Street Address	81 ELM ST
City	DRACUT
State	MA
Zip	01826-3307
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Lot Number	112
Jurisdiction	DRACUT MA
Township / Civil Division	DRACUT
Census Block Group	2
Census Block	2000
Census Tract	314102

Owner

81 Elm St is owned and occupied by an individual who bought it in June 1999.

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

Owner of Record	Individual Name on File
Mailing Address	81 ELM ST, DRACUT, MA 01826-3307
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Nov 21, 2023	Deed of Trust, Mortgage · Line of Credit NORTHERN HOME LOANS LLC
Nov 18, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance NORTHERN BANK & TRUST CO
Aug 28, 2017	Quit Claim Deed, Transfer · ARM NORTHERN BK & TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 30, 1999 · Amount on File
Deed Sale	Jun 30, 1999 · Amount on File
Deed Book / Page	10257 / 35
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DRACUT MA
Property Address	81 ELM ST, DRACUT, MA 01826-3307
Transaction Type	Mortgage
Record Updated	Dec 8, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	038196-280
Date	Nov 21, 2023
Book Page	38196/280
Instrument	34684

Lender

Name	NORTHERN HOME LOANS LLC

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DRACUT MA
Property Address	81 ELM ST, DRACUT, MA 01826-3307
Transaction Type	Mortgage
Record Updated	Mar 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	34928-64
Date	Nov 18, 2020
Book Page	34928/64
Instrument	59187

Lender

Name	NORTHERN BANK & TRUST CO
Type	Bank

Agreement

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

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DRACUT MA
Recording Date	Aug 28, 2017
Property Address	81 ELM ST, DRACUT, MA 01826-3307
Document Number	31416-117
Book / Page	31416 / 117
Instrument	37776
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Tax	$40.93
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	81 ELM ST, DRACUT, MA 01826-3307

Mortgage

Document Number	31416-121
Date	Aug 28, 2017
Book Page	31416/121
Instrument	37777

Lender

Name	NORTHERN BK & TR

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.5%

Tax Assessment & Valuation

The 2026 property tax bill for 81 Elm St was $4,947, up 1.7% 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	$4,947.00 (+1.69%)	$511,600 (+6.43%) Land $232,700 Building $278,900	$509,580 (-)
2025	$4,865.00 (+4.02%)	$480,700 (+7.39%) Land $213,400 Building $267,300	$509,580 (+7.54%)
2024	$4,677.00 (+0.15%)	$447,600 (+10.98%) Land $203,200 Building $244,400	$473,860
2023	$4,670.00	$403,300 Land $176,700 Building $226,600

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

Flood

FEMA maps place 81 Elm 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

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

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 81 Elm St 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.

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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