115 N State St, Concord, NH 03301 Property Records

Merrimack County and Concord City property record for 115 N State St, Concord, NH 03301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,088 sqft · built 1932
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Trust Names on File
Last Sale	$257,500 (Sep 2009)
Tax Bill	$9,816 (2025)
Deeds & Mortgages	Aug 2021 Line of Credit Oct 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`CNCD M:6414Z B:14`

Property Details

APN / Parcel Number

Primary APN	`CNCD M:6414Z B:14`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,088 sqft Living Area
Gross Area	4,118 sqft
1st Floor Area	1,332 sqft
Basement Area	1,260 sqft
Unfinished Basement	1,260 sqft

Exterior

Year Built	Built 1932
Effective Year Built	Effective 1932
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,534 sqft (0.15 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	115 N STATE ST
City	CONCORD
State	NH
Zip	03301-4407
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD
Legal Block	14
Legal Lot Number	5
Jurisdiction	CONCORD CITY NH
Township / Civil Division	CONCORD
Census Block Group	3
Census Block	3046
Census Tract	32400

Owner

115 N State St is owner-occupied and held in a trust since November 2024.

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

Owner of Record	2 Trust Names on File
Mailing Address	115 N STATE ST, CONCORD, NH 03301-4407
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

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
Aug 2, 2021	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Oct 14, 2020	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 9, 2009 · Amount on File
Deed Sale	Sep 9, 2009 · Amount on File
Prior Sale	Aug 14, 2007 · Amount on File
Deed Book / Page	3153 / 1836
Last Transfer Date	Nov 4, 2024
Transfer Doc	0000017813
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD CITY NH
Property Address	115 N STATE ST, CONCORD, NH 03301-4407
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000019705
Date	Aug 2, 2021
Book Page	3751/1169
Instrument	202100019705

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Sep 1, 2046

Interest

Rate Type	Adjustable Rate

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CONCORD CITY NH
Recording Date	Oct 14, 2020
Property Address	115 N STATE ST, CONCORD, NH 03301-4407
Document Number	0037011999
Book / Page	003701 / 001999
Instrument Date	Oct 14, 2020
Instrument	22751
Transaction Type	Transfer
Record Updated	Oct 28, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$2,250.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	115 N STATE ST CONCORD NH 033014407, CONCORD, NH 03301-4407

Tax Assessment & Valuation

The 2025 property tax bill for 115 N State St was $9,816, up 5.1% 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	Assessed Market Value
2025	$9,816.00 (+5.13%)	$337,200 (-) Land $99,900 Building $237,300
2024	$9,337.00 (+3.09%)	$337,200 (-) Land $99,900 Building $237,300
2023	$9,057.00 (+3.75%)	$337,200 (-) Land $99,900 Building $237,300	$377,910
2022	$8,730.00	$337,200 Land $99,900 Building $237,300

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

Flood

FEMA maps place 115 N State St in Zone X, an area of minimal flood risk.

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 Policies	8 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 115 N 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	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	CONCORD WATER DEPT serves 44,215 people · EPA ID NH0501010
Water Source	Surface water
Last State Inspection	Apr 2025
Lead	1 ppb (2021–2023) 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 399 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Fidium Fiber Fiber	2,000 / 2,000
Breezeline Fiber · Cable in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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