Middlesex County and Dracut Town property record for 97 Elm St, Dracut, MA 01826
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,112 sqft · built 1976 |
| Lot Size | 0.587 acres (25,578 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $168,000 (Jan 1988) |
| Tax Bill | $6,043 (2026) |
| Deeds & Mortgages | May 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | DRAC M:32 L:114 |
| Primary APN | DRAC M:32 L:114 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,112 sqft Living Area |
| Gross Area | 4,322 sqft |
| 1st Floor Area | 1,228 sqft |
| Basement Area | 1,036 sqft |
| Unfinished Basement | 772 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 25,578 sqft (0.587 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Account Number | 513833 |
|---|---|
| Street Address | 97 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 | 114 |
| Jurisdiction | DRACUT MA |
| Township / Civil Division | DRACUT |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 314102 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 97 ELM ST, DRACUT, MA 01826-3307 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 5, 1988 · Amount on Record |
| Deed Sale | Jan 5, 1988 · Amount on Record |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DRACUT MA |
| Property Address | 97 ELM ST, DRACUT, MA 01826-3307 |
| Document Number | 33063-264 |
| Instrument Date | May 30, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 2, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 97 ELM ST DRACUT MA 018263307, DRACUT, MA 01826-3307 |
| Document Number | 33063-264 |
|---|---|
| Date | Jun 17, 2019 |
| Book Page | 033063/000264 |
| Instrument | 23460 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 16, 2049 |
| Rate Type | Adjustable Rate |
|---|
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 | $6,043.00 (+1.38%) | $624,900 (+6.1%) Land $232,600 Building $392,300 | $623,770 (-) |
| 2025 | $5,961.00 (+1.39%) | $589,000 (+4.69%) Land $213,300 Building $375,700 | $623,770 (+7.13%) |
| 2024 | $5,879.00 (+3.21%) | $562,600 (+14.37%) Land $203,100 Building $359,500 | $582,255 |
| 2023 | $5,696.00 | $491,900 Land $176,600 Building $315,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 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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