104 Pearl St, Franklin, NH 03235 Property Records

Merrimack County and Franklin City property record for 104 Pearl St, Franklin, NH 03235

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,696 sqft · built 1948
Lot Size	0.9 acres (39,204 sqft)
Owner	Individual Name on File
Last Sale	$55,500 (Jun 2011)
Tax Bill	$4,970 (2025)
Deeds & Mortgages	Nov 2023 Mortgage Nov 2019 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`FRKN M:134 B:035 L`

Property Details

APN / Parcel Number

Primary APN	`FRKN M:134 B:035 L`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,696 sqft Living Area
Gross Area	3,142 sqft
1st Floor Area	1,372 sqft
Basement Area	1,036 sqft
Unfinished Basement	1,036 sqft

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	39,204 sqft (0.9 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	104 PEARL ST
City	FRANKLIN
State	NH
Zip	03235-1346
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSW&S
Legal Block	35
Jurisdiction	FRANKLIN CITY NH
Township / Civil Division	FRANKLIN
Census Block Group	3
Census Block	3017
Census Tract	43002

Owner

104 Pearl St is owned and occupied by an individual who bought it in June 2011.

Source: Merrimack County and Franklin City records, as of October 19, 2026

Owner of Record	Individual Name on File
Mailing Address	104 PEARL ST, FRANKLIN, NH 03235-1346
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.

Deeds, Mortgages & Sale History

Date	Document
Nov 14, 2023	Deed of Trust, Mortgage · USDA Mortgage USDA
Nov 1, 2019	Loan Modification, Mortgage · Conventional Mortgage JP MORGAN CHASE BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 22, 2011 · Amount on File
Deed Sale	Jun 22, 2011 · Amount on File
Prior Sale	Mar 4, 2011 · Amount on File
Deed Book / Page	3259 / 1686
Transfer Doc	3244001996
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN CITY NH
Property Address	104 PEARL ST, FRANKLIN, NH 03235-1346
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000016343
Date	Nov 14, 2023
Book Page	3842/1715
Instrument	202300016343

Lender

Name	USDA
Type	Government Agency

Agreement

Type	USDA Mortgage
Amount	Amount on Record
Term	337 Months
Due	Dec 1, 2051

November 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	FRANKLIN CITY NH
Property Address	104 PEARL ST, FRANKLIN, NH 03235-1346
Document Number	0036532012
Instrument Date	Nov 1, 2019
Transaction Type	Mortgage
Record Updated	Nov 21, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 PEARL ST FRANKLIN NH 032351346, FRANKLIN, NH 03235-1346

Mortgage

Document Number	0036532012
Date	Nov 4, 2019
Book Page	003653/002012
Instrument	20692

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	MONROE, LA 71203-4774

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	336 Months
Due	Nov 3, 2047

Interest

Rate	3.62%

Tax Assessment & Valuation

The 2025 property tax bill for 104 Pearl St was $4,970.

Source: Merrimack County and Franklin City assessment roll, as of July 28, 2026

Property Jurisdictions

Type	Name
State	New Hampshire
County	Merrimack County
Municipality	Franklin City
Unified School District	Franklin School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,970.00	$281,900 Land $77,800 Building $204,100
2023			$305,520
2022	$4,076.00	$167,100 Land $64,000 Building $103,100

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

Flood

FEMA maps place 104 Pearl St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2014.

Source: FEMA National Flood Hazard Layer, effective January 22, 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 Claims	2 (2014)
Claims Outside the SFHA	2 of 2
Most Recent Claim	May 2014 · other causes

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 104 Pearl St 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 52% of New Hampshire
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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	FRANKLIN WATER WORKS serves 7,200 people · EPA ID NH0851010
Water Source	Groundwater
Last State Inspection	May 2025
Lead	3 ppb (2024) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 307 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Fiber	2,000 / 2,000
Breezeline Fiber · Cable in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Fidium Fiber.

Nearby Properties on Pearl St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures