98 Black Oak Ln, Dracut, MA 01826 Property Records

Middlesex County and Dracut Town property record for 98 Black Oak Ln, Dracut, MA 01826

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,406 sqft · built 1986
Lot Size	1.15 acres (50,094 sqft)
Owner	2 Individual Names on File
Last Sale	$450,000 (Dec 2017)
Tax Bill	$7,124 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Sep 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`DRAC M:13 B:128 L:4`

Property Details

APN / Parcel Number

Primary APN	`DRAC M:13 B:128 L:4`
Alternative APNs	`M:0013 B:0128 L:0004` `518127`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,406 sqft Living Area
Gross Area	4,686 sqft
1st Floor Area	1,456 sqft
Basement Area	1,200 sqft
Unfinished Basement	1,200 sqft

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Material	Asphalt
Lot Area	50,094 sqft (1.15 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	518127
Street Address	98 BLACK OAK LN
City	DRACUT
State	MA
Zip	01826-1302
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	128
Legal Lot Number	4
Jurisdiction	DRACUT MA
Township / Civil Division	DRACUT
Census Block Group	3
Census Block	3001
Census Tract	314200

Owner

Source: Middlesex County and Dracut Town assessment roll, as of April 14, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	98 BLACK OAK LN, DRACUT, MA 01826-1302
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 1, 2026	Deed of Trust, Mortgage · Line of Credit JEANNE D'ARC CREDIT UNION
Sep 27, 2019	Deed of Trust, Mortgage · Conventional with PMI JEANNE D'ARC CU
Dec 29, 2017	Quit Claim Deed, Transfer · Conventional with PMI JEANNE D'ARC CU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 29, 2017 · Amount on Record
Deed Sale	Dec 29, 2017 · Amount on Record
Prior Sale	Aug 12, 1985 · Amount on Record
Deed Document Number	201758695
Deed Book / Page	31769 / 115
Transfer Doc	24252-288
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DRACUT MA
Recording Date	Jun 1, 2026
Property Address	98 BLACK OAK LN, DRACUT, MA 01826-1302
Document Number	0040097-58
Book / Page	40097 / 58
Instrument Date	May 13, 2026
Instrument	202616926
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	98 BLACK OAK LN, DRACUT, MA 01826-1302

Mortgage

Document Number	0000016926,
Date	Jun 1, 2026
Book Page	40097/58
Instrument	202616926

Lender

Name	JEANNE D'ARC CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jul 1, 2046

Interest

Rate	6.3%
Max Rate	-1%

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DRACUT MA
Property Address	98 BLACK OAK LN, DRACUT, MA 01826-1302
Document Number	33411-108
Instrument Date	Sep 27, 2019
Transaction Type	Mortgage
Record Updated	Oct 22, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	98 BLACK OAK LN DRACUT MA 018261302, DRACUT, MA 01826-1302

Mortgage

Document Number	33411-108
Date	Oct 2, 2019
Book Page	033411/000108
Instrument	42766

Lender

Name	JEANNE D'ARC CU
Type	Credit Union

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2049

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DRACUT MA
Recording Date	Dec 29, 2017
Property Address	98 BLACK OAK LN, DRACUT, MA 01826-1302
Document Number	31769-115
Book / Page	031769 / 000115
Instrument Date	Dec 21, 2017
Instrument	58695
Transaction Type	Transfer
Record Updated	Jan 16, 2018

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,052.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	98 BLACK OAK LN DRACUT MA 018261302, DRACUT, MA 01826-1302

Mortgage

Document Number	31769-117
Date	Dec 29, 2017
Book Page	031769/000117
Instrument	58696

Lender

Name	JEANNE D'ARC CU
Type	Credit Union

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Dec 28, 2047

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	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,124.00 (+0.34%)	$704,000 (+3.62%) Land $256,700 Building $447,300	$681,530 (+5.94%)
2024	$7,100.00 (+3.17%)	$679,400 (+14.32%) Land $244,600 Building $434,800	$643,340
2023	$6,882.00	$594,300 Land $212,900 Building $381,400

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

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 98% of the US · lower than 96% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

98 Black Oak Ln, Dracut, MA 01826 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

June 2026: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

September 2019: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

December 2017: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Black Oak Ln

Nearby Streets

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