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40 Holly Ln Unit 40, Dracut, MA, 01826

2beds
2baths
1,672sqft
$635,000
$380price/sqft
$4,271/moest. monthly cost
$170,840/yrincome needed

About This Home

Beautifully maintained 2-bed, 2-bath single-level condo in the desirable 55+ community of The Arbors. Features include an open-concept layout with vaulted ceilings, hardwood floors, gas fireplace, and a bright kitchen with breakfast bar and dining area. Enjoy added flexibility with a large living room, and a heated 4-season sunroom leading to a private deck overlooking open space. The primary suite offers a walk-in closet, bathroom with dual-vanity and large shower. Additional perks: walkout basement, 2-car garage, central A/C, central vacuum, first-floor laundry, whole-house generator, and recent roof/gutter/chimney updates (2025). Pet-friendly community. Move-in ready and truly a must-see!

Getting Around

12
WalkingCar-Dependent
0
TransitVery Limited Transit
19
BikeSomewhat Bikeable

Schools

5/10
4/10
Dracut Senior High SchoolGrades 9-120.6 mi

Construction

Condition

  • Year built: 2002

Type & Style

  • Home type: Condo
  • Property subType: Condominium

Interior

Appliances

  • Appliances included: Range,Dishwasher,Disposal,Microwave,Refrigerator,Freezer,Washer,Dryer
  • Laundry features: Gas Dryer Hookup,Washer Hookup,First Floor,In Unit

Basement

  • Has basement: Yes

Bathroom1

  • Features: Bathroom - Full
  • Level: First
  • Area: 84

Bathroom2

  • Features: Bathroom - 3/4, Closet - Linen, Flooring - Stone/Ceramic Tile
  • Level: First
  • Area: 60

Bedroom2

  • Features: Closet, Flooring - Wall to Wall Carpet
  • Level: First
  • Area: 156

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Features: Flooring - Hardwood, Handicap Accessible, Open Floorplan
  • Level: Main,First
  • Area: 115

Features

  • Sun Room,Central Vacuum
  • Flooring: Tile,Carpet,Hardwood,Flooring - Stone/Ceramic Tile
  • Number of fireplaces: 1
  • Fireplace features: Living Room
  • Fireplace: Yes
  • Finished area above ground: 1,672
  • Common walls with other units/homes: 2+ Common Walls

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,672
  • Total interior livable area: 1,672 sqft

Kitchen

  • Features: Flooring - Stone/Ceramic Tile, Dining Area, Handicap Accessible, Kitchen Island, Attic Access, Dryer Hookup - Gas, Washer Hookup
  • Level: Main,First
  • Area: 149.5

Living Room

  • Features: Bathroom - Full, Ceiling Fan(s), Closet, Flooring - Hardwood, Handicap Accessible, Cable Hookup, Exterior Access, Open Floorplan, Gas Stove
  • Level: Main,First
  • Area: 392

Master Bedroom

  • Features: Bathroom - 3/4, Bathroom - Double Vanity/Sink, Vaulted Ceiling(s), Walk-In Closet(s), Flooring - Hardwood, Handicap Accessible
  • Level: First
  • Area: 248

Property

Accessibility

  • Accessibility features: Accessible Entrance

Details

  • Parcel number: M:44 B:105 L:3.40,4144296
  • Zoning: R3

Parking

  • Total spaces: 4
  • Parking features: Attached,Garage Door Opener,Off Street
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Uncovered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Inland Flooding
Ice Storm
Lightning
Tsunami

FEMA Declared Disasters Across Massachusetts Counties

Hurricane

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $3,210$38,520
Home Insurance *$173$2,076
Property Taxes $534$6,408
Electricity $354$4,259
Total$4,271$51,252
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$146,434/yr
40% on housing$128,130/yr
45% on housing$113,893/yr

Massachusetts FAIR Plan Programs

Massachusetts Property Insurance Underwriting Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 213,928Commercial: 230
Total Premiums$400.85M
Total Exposure$115.57B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 7.6%
7.6%
0%30.0%
Electricity Growth Rate10-year average: 7.9%
7.9%
0%15.0%
Property Taxes Growth Rate2-year average: 0.5%
0.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$380This listing

vs Other Active Listings

Avg $/sqft

ZIP 01826$279
Middlesex County$437

vs Homes Sold Last Month

Median $/sqft

ZIP 01826$329
Middlesex County$413

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-08-03Price change$635,000
2026-07-20Listed for sale$645,000

For Sale by Agent

AgentTony Valente
BrokerageLAER Realty Partners

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