9 Cottage St, Dracut, MA 01826 Property Records

Middlesex County and Dracut Town property record for 9 Cottage St, Dracut, MA 01826

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,205 sqft · built 1886
Lot Size	0.138 acres (6,000 sqft)
Owner	2 Individual Names on File
Last Sale	$401,000 (May 2023)
Tax Bill	$3,997 (2026)
Deeds & Mortgages	May 2023 Sale & Mortgage Feb 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`DRAC M:32 L:81`

Property Details

APN / Parcel Number

Primary APN	`DRAC M:32 L:81`
Alternative APNs	`M:0032 B:0000 L:0081` `387009`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,205 sqft Living Area
Gross Area	2,490 sqft
1st Floor Area	800 sqft
Basement Area	800 sqft
Unfinished Basement	800 sqft

Exterior

Year Built	Built 1886
Effective Year Built	Effective 1886
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,000 sqft (0.138 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	387009
Street Address	9 COTTAGE ST
City	DRACUT
State	MA
Zip	01826-3205
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Lot Number	81
Jurisdiction	DRACUT MA
Township / Civil Division	DRACUT
Census Block Group	3
Census Block	3003
Census Tract	314102

Owner

9 Cottage St is owned and occupied by two individuals who acquired it in September 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	9 COTTAGE ST, DRACUT, MA 01826-3205
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
May 5, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage ROSS MORTGAGE COMPANY INC
Feb 26, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage EVOLVE BANK & TRUST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 5, 2023 · Amount on File
Deed Sale	May 5, 2023 · Amount on File
Prior Sale	Feb 26, 2021 · Amount on File
Deed Document Number	202312479
Last Transfer Date	Sep 24, 2024
Transfer Doc	038772-256
Record Updated	Oct 29, 2026

May 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DRACUT MA
Recording Date	May 5, 2023
Property Address	9 COTTAGE ST, DRACUT, MA 01826-3205
Document Number	037816-218
Book / Page	37816 / 218
Instrument Date	May 5, 2023
Instrument	12479
Transaction Type	Transfer
Record Updated	Nov 1, 2023

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 SHERIDAN AVE, MEDFORD, MA 02155-4042

Mortgage

Document Number	0000012480
Date	May 5, 2023
Instrument	12480

Lender

Name	ROSS MORTGAGE COMPANY INC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

February 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DRACUT MA
Recording Date	Feb 26, 2021
Property Address	9 COTTAGE ST, DRACUT, MA 01826-3205
Document Number	035397-122
Book / Page	35397 / 122
Instrument Date	Feb 26, 2021
Instrument	12003
Transaction Type	Transfer
Record Updated	Nov 1, 2023

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	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	9 COTTAGE ST, DRACUT, MA 01826-3205

Mortgage

Document Number	0000012004
Date	Feb 26, 2021
Instrument	12004

Lender

Name	EVOLVE BANK & TRUST
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 9 Cottage St was $3,997, up 12.2% 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	$3,997.00 (+12.24%)	$413,300 (+17.45%) Land $183,100 Building $230,200	$450,585 (-)
2025	$3,561.00 (+0.54%)	$351,900 (+3.84%) Land $168,000 Building $183,900	$450,585 (+13.71%)
2024	$3,542.00 (+4.55%)	$338,900 (+15.82%) Land $160,000 Building $178,900	$396,245
2023	$3,388.00	$292,600 Land $139,100 Building $153,500

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

Flood

FEMA maps place 9 Cottage St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 9 Cottage 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 93% of the US · lower than 83% 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 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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