95 Cross Rd, Dracut, MA 01826 Property Records

Middlesex County and Dracut Town property record for 95 Cross Rd, Dracut, MA 01826

Property Summary

Property Type	Exempt (Full or Partial)
Details	5 bd · 3 ba · 2,854 sqft · built 2022
Lot Size	0.994 acres (43,291 sqft)
Owner	Company Name on Record
Last Sale	$250,000 (Jun 2022)
Deeds & Mortgages	Jan 2023 Refinance Jun 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`DRAC M:19 B:19 L:2`

Property Details

APN / Parcel Number

Primary APN	`DRAC M:19 B:19 L:2`
Alternative APN	`19192`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,854 sqft Total Area
Gross Area	6,384 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	43,291 sqft (0.994 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	19192
Street Address	95 CROSS RD
City	DRACUT
State	MA
Zip	01826-1405
Property Category	Other
Property Type	Other > Exempt (Full or Partial)
Legal Block	19
Legal Lot Number	2
Jurisdiction	DRACUT MA
Township / Civil Division	DRACUT
Census Block Group	3
Census Block	3000
Census Tract	314200

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	Company Name on Record
Mailing Address	57 CHARTER OAK AVE, A, HARTFORD, CT 06106-2099
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jan 31, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance WILMINGTON TRUST CO
Jun 30, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage TD BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 30, 2022 · Amount on Record
Deed Sale	Jun 30, 2022 · Amount on Record
Prior Transfer Date	Jun 28, 2022
Prior Transfer Doc	0000316721
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DRACUT MA
Property Address	95 CROSS RD, DRACUT, MA 01826-1405
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000319012
Date	Jan 31, 2023
Instrument	319012

Lender

Name	WILMINGTON TRUST CO
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

June 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DRACUT MA
Recording Date	Jun 30, 2022
Property Address	95 CROSS RD, DRACUT, MA 01826-1405
Document Number	0000316721
Instrument Date	Jun 28, 2022
Instrument	316721
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount Recorded
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	157 CHARTER OAK AVE, HARTFORD, CT 06106-2040
Investor	Possibly a Property Investor

Mortgage

Document Number	0000316724
Date	Jun 30, 2022
Instrument	316724

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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	Assessed Value
2026	$1,164,400 (+7.04%) Land $252,800 Building $911,600
2025	$1,087,800 (+1.29%) Land $231,900 Building $855,900
2024	$1,073,900 (+14.88%) Land $221,000 Building $852,900
2023	$934,800 Land $192,300 Building $742,500

Assessed value is set for property tax purposes and is not a market price estimate.

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
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	2 (1978–1979)
Most Recent Claim	Jan 1979 · rainfall accumulation

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 133 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Verizon.

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