Middlesex County and Dracut Town property record for 96 Derby St, Dracut, MA 01826
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,132 sqft · built 1972 |
| Lot Size | 0.936 acres (40,776 sqft) |
| Owner | Individual Name on File |
| Last Sale | $281,000 (Nov 2019) |
| Tax Bill | $5,461 (2026) |
| Deeds & Mortgages | Mar 2021 Line of Credit Nov 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | DRAC M:51 L:30 |
| Primary APN | DRAC M:51 L:30 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,132 sqft Living Area |
| Gross Area | 3,148 sqft |
| 1st Floor Area | 1,132 sqft |
| Basement Area | 1,056 sqft |
| Unfinished Basement | 130 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 40,776 sqft (0.936 acres) |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 321828 |
|---|---|
| Street Address | 96 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 | 30 |
| Jurisdiction | DRACUT MA |
| Township / Civil Division | DRACUT |
| Census Block Group | 5 |
| Census Block | 5000 |
| Census Tract | 314301 |
96 Derby St is owned and occupied by an individual who bought it in November 2019.
Source: Middlesex County and Dracut Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 96 DERBY ST, DRACUT, MA 01826-3921 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 1, 2021 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Nov 8, 2019 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage ENVISION BANK |
| Jan 6, 2017 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 8, 2019 · Amount on File |
| Deed Sale | Nov 8, 2019 · Amount on File |
| Prior Sale | Apr 17, 1987 · Amount on File |
| Deed Document Number | 201949618 |
| Deed Book / Page | 33539 / 71 |
| Prior Transfer Date | Oct 25, 2019 |
| Prior Transfer Doc | 33539-71 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DRACUT MA |
| Property Address | 96 DERBY ST, DRACUT, MA 01826-3921 |
| Transaction Type | Mortgage |
| Record Updated | Jan 21, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0035399-85 |
|---|---|
| Date | Mar 1, 2021 |
| Book Page | 35399/85 |
| Instrument | 12099 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Apr 1, 2046 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | DRACUT MA |
| Recording Date | Nov 8, 2019 |
| Property Address | 96 DERBY ST, DRACUT, MA 01826-3921 |
| Document Number | 33539-71 |
| Book / Page | 33539 / 71 |
| Instrument Date | Oct 25, 2019 |
| Instrument | 49618 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 96 DERBY ST, DRACUT, MA 01826-3921 |
| Document Number | 49619 |
|---|---|
| Date | Nov 8, 2019 |
| Instrument | 49619 |
| Name | ENVISION BANK |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | DRACUT MA |
| Recording Date | Jan 6, 2017 |
| Property Address | 96 DERBY ST, DRACUT, MA 01826-3921 |
| Document Number | 30822-133 |
| Book / Page | 030822 / 000133 |
| Instrument Date | Dec 18, 2016 |
| Instrument | 886 |
| Transaction Type | Transfer |
| Record Updated | Jan 24, 2017 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Corporate Trust |
The 2026 property tax bill for 96 Derby St was $5,461, up 2.7% from the year before.
Source: Middlesex County and Dracut Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Dracut Town |
| Unified School District | Dracut School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,461.00 (+2.69%) | $564,700 (+7.46%) Land $250,200 Building $314,500 | $428,450 (-) |
| 2025 | $5,318.00 (-1.65%) | $525,500 (+1.57%) Land $229,500 Building $296,000 | $428,450 (+0.33%) |
| 2024 | $5,407.00 (+0.15%) | $517,400 (+10.98%) Land $218,700 Building $298,700 | $427,025 |
| 2023 | $5,399.00 | $466,200 Land $190,200 Building $276,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 96 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 risk around 96 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.
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 |
| 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.
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 |
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