98 Varnum Rd, Dracut, MA 01826 Property Records

Middlesex County and Dracut Town property record for 98 Varnum Rd, Dracut, MA 01826

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,120 sqft · built 1950
Lot Size	0.218 acres (9,500 sqft)
Owner	2 Individual Names on File
Last Sale	$505,000 (Oct 2025)
Tax Bill	$4,226 (2026)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Jun 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`DRAC M:24 L:223`

Property Details

APN / Parcel Number

Primary APN	`DRAC M:24 L:223`
Alternative APNs	`M:0024 B:0000 L:0223` `219722`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,120 sqft Living Area
Gross Area	2,524 sqft
1st Floor Area	1,120 sqft
Basement Area	1,120 sqft
Unfinished Basement	1,120 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,500 sqft (0.218 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Account Number	219722
Street Address	98 VARNUM RD
City	DRACUT
State	MA
Zip	01826-3026
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Lot Number	223
Jurisdiction	DRACUT MA
Township / Civil Division	DRACUT
Census Block Group	1
Census Block	1012
Census Tract	314101

Owner

98 Varnum Rd is owned and occupied by two individuals who bought it in October 2025.

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 File
Mailing Address	98 VARNUM RD, DRACUT, MA 01826-3026
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 31, 2025	Quit Claim Deed, Transfer DIRECT CU
Jun 25, 2025	Quit Claim Deed, Transfer · Stand-Alone First Mortgage GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 31, 2025 · Amount on File
Deed Sale	Oct 31, 2025 · Amount on File
Prior Sale	Jun 25, 2025 · Amount on File
Deed Document Number	202535112
Deed Book / Page	39633 / 264
Prior Transfer Date	Oct 29, 2025
Prior Transfer Doc	039633-264
Record Updated	Oct 29, 2026

October 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DRACUT MA
Recording Date	Oct 31, 2025
Property Address	98 VARNUM RD, DRACUT, MA 01826-3026
Document Number	039633-264
Book / Page	39633 / 264
Instrument Date	Oct 29, 2025
Instrument	35112
Transaction Type	Transfer
Record Updated	Apr 3, 2026

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	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	98 VARNUM RD, DRACUT, MA 01826-3026

Mortgage

Document Number	0000035113
Date	Oct 31, 2025
Instrument	35113

Lender

Name	DIRECT CU
Type	Credit Union

Agreement

Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

June 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DRACUT MA
Recording Date	Jun 25, 2025
Property Address	98 VARNUM RD, DRACUT, MA 01826-3026
Document Number	039340-140
Book / Page	39340 / 140
Instrument Date	Jun 25, 2025
Instrument	19337
Transaction Type	Transfer
Record Updated	Nov 19, 2025

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	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	98 VARNUM RD, DRACUT, MA 01826-3026

Mortgage

Document Number	0000019338
Date	Jun 25, 2025
Instrument	19338

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 98 Varnum Rd was $4,226, up 3.5% 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	$4,226.00 (+3.5%)	$437,000 (+8.3%) Land $206,200 Building $230,800	$471,485 (-)
2025	$4,083.00 (+0.44%)	$403,500 (+3.73%) Land $189,200 Building $214,300	$471,485 (+5.28%)
2024	$4,065.00 (+4.39%)	$389,000 (+15.67%) Land $180,100 Building $208,900	$447,830
2023	$3,894.00	$336,300 Land $156,600 Building $179,700

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

Flood

FEMA maps place 98 Varnum Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2014.

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	2 in force
Nearby Flood Claims	1 (2014)
Most Recent Claim	Mar 2014 · river or lake flooding

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 98 Varnum Rd is low, with 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 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	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 306 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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