16 W Main St, Warner, NH 03278 Property Records

Merrimack County and Warner Town property record for 16 W Main St, Warner, NH 03278

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,954 sqft · built 1820
Lot Size	0.27 acres (11,761 sqft)
Owner	Individual Name on File
Last Sale	$338,000 (Nov 2022)
Tax Bill	$7,392 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Nov 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`WRNR M:31 L:023`

Property Details

APN / Parcel Number

Primary APN	`WRNR M:31 L:023`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,954 sqft Living Area
Gross Area	5,023 sqft
Basement Area	160 sqft
Unfinished Basement	160 sqft

Exterior

Year Built	Built 1820
Effective Year Built	Effective 1820
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,761 sqft (0.27 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	16 W MAIN ST
City	WARNER
State	NH
Zip	03278-4239
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	B1 - B
Legal Lot Number	23
Jurisdiction	WARNER TOWN NH
Township / Civil Division	WARNER
Census Block Group	1
Census Block	1046
Census Tract	38500

Owner

16 W Main St is owned and occupied by an individual who bought it in November 2022.

Source: Merrimack County and Warner Town records, as of August 12, 2026

Owner of Record	Individual Name on File
Mailing Address	16 W MAIN ST, WARNER, NH 03278-4239
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
Jul 21, 2026	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK
Nov 1, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 1, 2022 · Amount on File
Deed Sale	Nov 1, 2022 · Amount on File
Prior Sale	Apr 6, 2005 · Amount on File
Deed Document Number	202220844
Deed Book / Page	3810 / 2089
Transfer Doc	002763/262
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARNER TOWN NH
Recording Date	Jul 21, 2026
Property Address	16 W MAIN ST, WARNER, NH 03278-4239
Document Number	0000011771
Book / Page	3937 / 840
Instrument Date	Jul 10, 2026
Instrument	202611771
Transaction Type	Mortgage
Record Updated	Aug 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 W MAIN ST, WARNER, NH 03278-4239

Mortgage

Document Number	0000011771,
Date	Jul 21, 2026
Book Page	3937/840
Instrument	202611771

Lender

Name	COASTAL COMMUNITY BANK

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	6.52%
Initial Type	Adjustable Rate
Max Rate	-1%

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WARNER TOWN NH
Recording Date	Nov 1, 2022
Property Address	16 W MAIN ST, WARNER, NH 03278-4213
Document Number	0000020844
Book / Page	3810 / 2089
Instrument Date	Oct 28, 2022
Instrument	202200020844
Transaction Type	Transfer
Record Updated	Dec 8, 2025

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
Address	11 E MAIN ST # 2, 2, WARNER, NH 03278

Mortgage

Document Number	0000020845
Date	Nov 1, 2022
Instrument	202200020845

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 16 W Main St was $7,392, up 17.1% from the year before.

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

Property Jurisdictions

Type	Name
State	New Hampshire
County	Merrimack County
County Subdivision	Warner Town
Unified School District	Kearsarge Regional School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,392.00 (+17.07%)	$426,800 (+108.81%) Land $114,100 Building $312,700
2024	$6,314.00	$204,400 Land $25,700 Building $178,700
2023			$484,500
2016	$5,508.00	$201,470 Land $71,390 Building $130,080

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

Flood

FEMA maps place 16 W Main St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2005.

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	3 in force
Nearby Flood Claims	4 (2005–2006)
Claims Outside the SFHA	2 of 4
Most Recent Claim	May 2006 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, May 2006 · 4 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 16 W Main St 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	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	WARNER VILLAGE WATER DIST serves 660 people · EPA ID NH2411010
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 80 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TDS Telecom Fiber	8,000 / 8,000

Cell Coverage

5G (outdoors only) and 4G LTE

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