122 River Rd, Epsom, NH 03234 Property Records

Merrimack County and Epsom Town property record for 122 River Rd, Epsom, NH 03234

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,673 sqft · built 1950
Lot Size	0.8 acres (34,848 sqft)
Owner	2 Individual Names on File
Last Sale	$310,000 (Sep 2020)
Tax Bill	$7,358 (2025)
Deeds & Mortgages	Sep 2020 Sale & Mortgage Jun 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`EPSO M:00U16 L:000003 S:000000`

Property Details

APN / Parcel Number

Primary APN	`EPSO M:00U16 L:000003 S:000000`
Alternative APN	`M:00U16 B:000003 L:000000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,673 sqft Living Area
Gross Area	2,845 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	34,848 sqft (0.8 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	122 RIVER RD
City	EPSOM
State	NH
Zip	03234-4225
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES/AG
Legal Lot Number	3
Jurisdiction	EPSOM TOWN NH
Township / Civil Division	EPSOM
Census Block Group	2
Census Block	2039
Census Tract	34000

Owner

122 River Rd is owned and occupied by two individuals who bought it in September 2020.

Source: Merrimack County and Epsom Town records, as of July 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	122 RIVER RD, EPSOM, NH 03234-4225
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
Sep 10, 2020	Warranty Deed, Transfer · FHA Mortgage HARBORONE MTG LLC
Jun 21, 2019	Deed of Trust, Mortgage · Conventional with PMI RESIDENTIAL MTG SVC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 10, 2020 · Amount on File
Deed Sale	Sep 10, 2020 · Amount on File
Prior Sale	Jan 6, 2016 · Amount on File
Deed Document Number	202019454
Deed Book / Page	3695 / 2126
Transfer Doc	3302001751
Record Updated	Oct 29, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EPSOM TOWN NH
Recording Date	Sep 10, 2020
Property Address	122 RIVER RD, EPSOM, NH 03234-4225
Document Number	0036952126
Book / Page	003695 / 002126
Instrument Date	Sep 10, 2020
Instrument	19454
Transaction Type	Transfer
Record Updated	Sep 29, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,650.00
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	137 GABRIELLE ST MANCHESTER NH 031033901, MANCHESTER, NH 03103-3901

Mortgage

Document Number	36952128
Date	Sep 10, 2020
Book Page	003695/002128
Instrument	19455

Lender

Name	HARBORONE MTG LLC
Address	MANCHESTER, NH 03101

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 9, 2050

Mortgage

Document Number	36952139,
Date	Sep 10, 2020
Book Page	003695/002139
Instrument	19456

Lender

Name	HOUSING FIN AUTH
Address	32 CONSTITUTION DR, BEDFORD, NH 03110-6062

Agreement

Amount	Amount on Record

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EPSOM TOWN NH
Property Address	122 RIVER RD, EPSOM, NH 03234-4225
Document Number	0036362668
Instrument Date	Jun 21, 2019
Transaction Type	Mortgage
Record Updated	Jul 16, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	122 RIVER RD EPSOM NH 032344225, EPSOM, NH 03234-4225

Mortgage

Document Number	0036362668
Date	Jul 3, 2019
Book Page	003636/002668
Instrument	11190

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	180 Months
Due	Jul 2, 2034

Tax Assessment & Valuation

The 2025 property tax bill for 122 River Rd was $7,358, up 22.2% from the year before.

Source: Merrimack County and Epsom Town assessment roll, as of July 28, 2026

Property Jurisdictions

Type	Name
State	New Hampshire
County	Merrimack County
County Subdivision	Epsom Town
Elementary School District	Epsom School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,358.00 (+22.17%)	$419,500 (+85.54%) Land $178,800 Building $240,700
2024	$6,023.00	$226,100 Land $97,700 Building $128,400
2023			$344,090
2022	$5,390.00	$226,100 Land $97,700 Building $128,400

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

Flood

FEMA maps place 122 River Rd in Zone X, an area of minimal flood risk, within 100 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 AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	4 (1995–2007)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Apr 2007 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Apr 2007 · 3 claims

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 122 River Rd is low, with less than 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 93% of the US · lower than 95% of New Hampshire
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	EPSOM VILLAGE WATER DISTRICT serves 800 people · EPA ID NH0771010
Water Source	Groundwater
Last State Inspection	May 2024

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 100 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Breezeline Cable	1,000 / 50

May also be available: Fidium Fiber.

Cell Coverage

4G LTE only, no 5G reported

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