107 Penacook St, Concord, NH 03301 Property Records

Merrimack County and Concord City property record for 107 Penacook St, Concord, NH 03301

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,994 sqft · built 1981
Lot Size	0.76 acres (33,106 sqft)
Owner	Individual Name on File
Last Sale	$335,000 (Jan 2018)
Tax Bill	$12,311 (2025)
Deeds & Mortgages	Apr 2021 Refinance Jan 2022 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`CNCD M:651Z B:7`

Property Details

APN / Parcel Number

Primary APN	`CNCD M:651Z B:7`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,994 sqft Living Area
1st Floor Area	2,034 sqft
Attic	Attic
Attic Area	624 sqft
Basement Area	1,819 sqft
Unfinished Basement	1,819 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	33,106 sqft (0.76 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	107 PENACOOK ST
City	CONCORD
State	NH
Zip	03301-3108
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	BLK:7 CITY/MUNI/TWP:CONCORD
Legal Subdivision	HARRIET A LITTLE
Legal Block	7
Jurisdiction	CONCORD CITY NH
Township / Civil Division	CONCORD
Census Block Group	1
Census Block	1007
Census Tract	32600

Owner

107 Penacook St is owned and occupied by an individual who acquired it in January 2022.

Source: Merrimack County and Concord City records, as of January 26, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	107 PENACOOK ST, CONCORD, NH 03301-3108
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
Apr 5, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance PHH US MORTGAGE CORP
Jan 5, 2022	Quit Claim Deed, Transfer · Stand-Alone Refinance RELIANCE FIRST CAPITAL LLC
Jun 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage RESIDENTIAL MTG SVC
Jun 28, 2019	Deed of Trust, Mortgage · Line of Credit MERRIMACK CNTY SVGS BK
Jan 22, 2018	Warranty Deed, Transfer · Conventional Mortgage RESIDENTIAL MTG SVC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 22, 2018 · Amount on File
Deed Sale	Jan 22, 2018 · Amount on File
Prior Sale	Jan 22, 2018 · Amount on File
Deed Document Number	0035832463
Deed Book / Page	003583 / 002463
Last Transfer Date	Jan 5, 2022
Transfer Doc	0000000416
Record Updated	Jun 8, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD CITY NH
Property Address	107 PENACOOK ST, CONCORD, NH 03301-3108
Transaction Type	Mortgage
Record Updated	Feb 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008781
Date	Apr 5, 2021
Book Page	3732/637
Instrument	202100008781

Lender

Name	PHH US MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

January 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CONCORD CITY NH
Recording Date	Jan 5, 2022
Property Address	107 PENACOOK ST, CONCORD, NH 03301-3108
Document Number	0000000416
Book / Page	3776 / 2348
Instrument Date	Dec 17, 2021
Instrument	202200000416
Transaction Type	Transfer
Record Updated	Feb 28, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety

Mortgage

Document Number	0000000417
Date	Jan 5, 2022
Book Page	3776/2352
Instrument	202200000417

Lender

Name	RELIANCE FIRST CAPITAL LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD CITY NH
Property Address	107 PENACOOK ST, CONCORD, NH 03301-3108
Document Number	0036811310
Instrument Date	Jun 11, 2020
Transaction Type	Mortgage
Record Updated	Jul 24, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	107 PENACOOK ST CONCORD NH 033013108, CONCORD, NH 03301-3108

Mortgage

Document Number	0036811310
Date	Jun 16, 2020
Book Page	003681/001310
Instrument	11611

Lender

Name	RESIDENTIAL MTG SVC
Type	Mortgage Company
Address	SOUTH PORTLAND, ME 04106

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 15, 2050

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD CITY NH
Property Address	107 PENACOOK ST, CONCORD, NH 03301-3108
Document Number	0036361672
Instrument Date	Jun 28, 2019
Transaction Type	Mortgage
Record Updated	Jul 16, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	107 PENACOOK ST CONCORD NH 033013108, CONCORD, NH 03301-3108

Mortgage

Document Number	0036361672
Date	Jul 1, 2019
Book Page	003636/001672
Instrument	11015

Lender

Name	MERRIMACK CNTY SVGS BK
Type	Federal Savings Bank
Address	CONCORD, NH 03302-2826

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Jun 30, 2029

Interest

Rate Type	Adjustable Rate

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CONCORD CITY NH
Recording Date	Jan 22, 2018
Property Address	107 PENACOOK ST, CONCORD, NH 03301-3108
Document Number	0035832463
Book / Page	003583 / 002463
Instrument Date	Jan 22, 2018
Instrument	1094
Transaction Type	Transfer
Record Updated	Feb 9, 2018

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,025.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	10 EVERGREEN DR BOW NH 033044615, BOW, NH 03304-4615

Mortgage

Document Number	35832465
Date	Jan 22, 2018
Book Page	003583/002465
Instrument	1095

Lender

Name	RESIDENTIAL MTG SVC
Type	Mortgage Company
Address	SOUTH PORTLAND, ME 04106

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 21, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 107 Penacook St was $12,311.

Source: Merrimack County and Concord City assessment roll, as of April 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$12,311.00	$422,900 Land $101,300 Building $321,600
2023	$11,356.00 (+3.75%)	$422,800 (-) Land $101,300 Building $321,500
2022	$10,946.00	$422,800 Land $101,300 Building $321,500

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 107 Penacook St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force

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 107 Penacook 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.

Internet Providers

Source: FCC Broadband Data Collection, as of December 31, 2025

Cell Coverage

5G (outdoors only) and 4G LTE

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