84 Derby St, Dracut, MA 01826 Property Records

Middlesex County and Dracut Town property record for 84 Derby St, Dracut, MA 01826

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,660 sqft · built 1984
Lot Size	0.269 acres (11,739 sqft)
Owner	2 Individual Names on File
Last Sale	$665,000 (Sep 2026)
Tax Bill	$6,296 (2026)
Deeds & Mortgages	Sep 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`DRAC M:51 L:6`

Property Details

APN / Parcel Number

Primary APN	`DRAC M:51 L:6`
Alternative APNs	`M:0051 B:0000 L:0006` `658606`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,660 sqft Living Area
Gross Area	3,204 sqft
1st Floor Area	976 sqft
Basement Area	912 sqft
Unfinished Basement	912 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,739 sqft (0.269 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	658606
Street Address	84 DERBY ST
City	DRACUT
State	MA
Zip	01826-3921
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Lot Number	6
Jurisdiction	DRACUT MA
Township / Civil Division	DRACUT
Census Block Group	5
Census Block	5000
Census Tract	314301

Owner

84 Derby St is owned and occupied by two individuals who bought it in September 2026.

Source: Middlesex County and Dracut Town records, as of October 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	84 DERBY ST, DRACUT, MA 01826-3921
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2026 · Amount on File
Deed Sale	Sep 30, 2026 · Amount on File
Deed Document Number	202632548
Deed Book / Page	40386 / 131
Prior Transfer Date	Sep 24, 2026
Prior Transfer Doc	0000032548
Record Updated	Oct 29, 2026

September 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DRACUT MA
Recording Date	Sep 30, 2026
Property Address	84 DERBY ST, DRACUT, MA 01826-3921
Document Number	0000032548
Book / Page	40386 / 131
Instrument Date	Sep 24, 2026
Instrument	202632548
Transaction Type	Transfer
Record Updated	Oct 21, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	84 DERBY ST, DRACUT, MA 01826-3921

Mortgage

Date	Sep 30, 2026

Lender

Name	GUARANTEED RATE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Max Rate	-1%

Tax Assessment & Valuation

The 2026 property tax bill for 84 Derby St was $6,296, up 5.6% 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	$6,296.00 (+5.62%)	$651,100 (+10.54%) Land $212,200 Building $438,900	$505,020 (-)
2025	$5,961.00 (+2.99%)	$589,000 (+6.34%) Land $194,600 Building $394,400	$505,020 (-0.71%)
2024	$5,788.00 (+3.76%)	$553,900 (+14.99%) Land $185,300 Building $368,600	$508,630
2023	$5,578.00	$481,700 Land $161,100 Building $320,600

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

Flood

FEMA maps place 84 Derby St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 84 Derby St is low, with less than 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 98% of the US · lower than 96% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 128 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
AT&T Fixed Wireless	100 / 20