109 S State St, Concord, NH 03301 Property Records

Merrimack County and Concord City property record for 109 S State St, Concord, NH 03301

Property Summary

Property Type	Duplex
Details	3 bd · 2 ba · 1,660 sqft · built 1900
Lot Size	0.07 acres (3,049 sqft)
Owner	2 Individual Names on File
Last Sale	$400,000 (Jul 2026)
Tax Bill	$6,308 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Mar 2021 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`M:28 B:2 L:16`

Property Details

APN / Parcel Number

Primary APN	`M:28 B:2 L:16`
Alternative APN	`CNCD M:7442Z B:31`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Units	2 Units
Stories	2 Stories
Building Area	1,660 sqft Living Area
Gross Area	3,790 sqft
1st Floor Area	922 sqft
Attic	Attic
Attic Area	922 sqft
Basement Area	922 sqft
Unfinished Basement	922 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Duplex Single
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,049 sqft (0.07 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	109 S STATE ST
City	CONCORD
State	NH
Zip	03301-3524
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	UT
Legal Block	31
Jurisdiction	CONCORD CITY NH
Township / Civil Division	CONCORD
Census Block Group	3
Census Block	3003
Census Tract	32800

Owner

109 S State St, a duplex, is owned and occupied by two individuals who bought it in July 2026.

Source: Merrimack County and Concord City records, as of August 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	109 S STATE ST, CONCORD, NH 03301-3524
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

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
Jul 31, 2026	Warranty Deed, Transfer · FHA Mortgage MILESTONE MORTGAGE SOLUTIONS
Mar 2, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CARDINAL FINANCIAL COMPANY LP
Feb 9, 2021	Quit Claim Deed, Transfer Quitclaim
Feb 9, 2021	Quit Claim Deed, Transfer · Stand-Alone Refinance QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2026 · Amount on File
Deed Sale	Jul 31, 2026 · Amount on File
Prior Sale	Oct 8, 2003 · Amount on File
Deed Document Number	202612689
Deed Book / Page	3938 / 2887
Prior Transfer Date	Nov 17, 2020
Prior Transfer Doc	0000003411
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CONCORD CITY NH
Recording Date	Jul 31, 2026
Property Address	109 S STATE ST, CONCORD, NH 03301-3524
Document Number	0000012689
Book / Page	3938 / 2887
Instrument Date	Jul 30, 2026
Instrument	202612689
Transaction Type	Transfer
Record Updated	Aug 19, 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 with Right of Survivorship
Address	109 S STATE ST, CONCORD, NH 03301-3524

Mortgage

Date	Jul 31, 2026

Lender

Name	MILESTONE MORTGAGE SOLUTIONS

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Interest

Rate	6.47%
Max Rate	-1%

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD CITY NH
Property Address	109 S STATE ST, CONCORD, NH 03301-3524
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005524
Date	Mar 2, 2021
Book Page	3726/979
Instrument	202100005524

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

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

February 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CONCORD CITY NH
Recording Date	Feb 9, 2021
Property Address	109 S STATE ST, CONCORD, NH 03301-3524
Document Number	202100003456
Book / Page	3722 / 989
Instrument Date	Nov 17, 2020
Instrument	202100003456
Transaction Type	Transfer
Record Updated	May 14, 2021

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
Address	97 S STATE ST, CONCORD, NH 03301-3524

February 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CONCORD CITY NH
Recording Date	Feb 9, 2021
Property Address	109 S STATE ST, CONCORD, NH 03301-3524
Document Number	0000003411
Book / Page	3722 / 767
Instrument Date	Nov 17, 2020
Instrument	202100003411
Transaction Type	Transfer
Record Updated	Nov 20, 2025

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
Address	97 S STATE ST, CONCORD, NH 03301-3524

Mortgage

Document Number	0000003412
Date	Feb 9, 2021
Book Page	3722/770
Instrument	202100003412

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	229 Months
Due	Mar 1, 2040

Tax Assessment & Valuation

The 2025 property tax bill for 109 S State St was $6,308, down 4.9% from the year before.

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

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	$6,308.00 (-4.89%)	$216,700 (-9.52%) Land $83,900 Building $132,800
2024	$6,632.00 (+3.09%)	$239,500 (-) Land $83,900 Building $155,600
2023	$6,433.00 (+3.74%)	$239,500 (-) Land $83,900 Building $155,600
2022	$6,201.00	$239,500 Land $83,900 Building $155,600

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

Flood

FEMA maps place 109 S State 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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 109 S State 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, based on 93 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Fidium Fiber Fiber	2,000 / 2,000
Xfinity Cable	2,000 / 250
Breezeline Fiber · Cable in parts of the area	1,000 / 1,000

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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