178 N State St, Concord, NH 03301 Property Records

Merrimack County and Concord City property record for 178 N State St, Concord, NH 03301

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,632 sqft · built 1948
Lot Size	0.09 acres (3,920 sqft)
Owner	Individual Name on File
Last Sale	$395,333 (Dec 2024)
Tax Bill	$8,753 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Dec 2024 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`M:5831-Z B:21`

Property Details

APN / Parcel Number

Primary APN	`M:5831-Z B:21`
Alternative APN	`CNCD M:5831Z B:21`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,632 sqft Living Area
Gross Area	4,088 sqft
1st Floor Area	1,230 sqft
Attic	Attic
Attic Area	1,230 sqft
Basement Area	1,230 sqft
Unfinished Basement	1,080 sqft

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Metal
Lot Area	3,920 sqft (0.09 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	178 N STATE ST
City	CONCORD
State	NH
Zip	03301-5018
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	UT
Legal Block	21
Jurisdiction	CONCORD CITY NH
Township / Civil Division	CONCORD
Census Block Group	2
Census Block	2000
Census Tract	32600

Owner

178 N State St is owned by an individual who bought it in December 2024.

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

Owner of Record	Individual Name on File
Mailing Address	174B OLD DERRY RD, HUDSON, NH 03051-3039
Owner Type	Individual
Vesting	Individual(s)

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 28, 2026	Deed of Trust, Mortgage NAVY FEDERAL CREDIT UNION
Dec 9, 2024	Warranty Deed, Transfer · Stand-Alone First Mortgage CMG MORTGAGE INC
Apr 12, 2023	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Sep 27, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CMG MORTGAGE INC
Oct 31, 2019	Deed of Trust, Mortgage · Conventional with PMI CMG FIN'L
Oct 31, 2019	Warranty Deed, Transfer · Conventional Mortgage CMG FIN'L

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 9, 2024 · Amount on File
Deed Sale	Dec 9, 2024 · Amount on File
Prior Sale	Oct 31, 2019 · Amount on File
Deed Document Number	202417832
Deed Book / Page	3876 / 1132
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD CITY NH
Recording Date	Apr 28, 2026
Property Address	178 N STATE ST, CONCORD, NH 03301-5018
Document Number	0000006464
Book / Page	3927 / 1671
Instrument Date	Apr 21, 2026
Instrument	20266464
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	178 N STATE ST, CONCORD, NH 03301-5018
Investor	Possibly a Property Investor

Mortgage

Document Number	0000006464,
Date	Apr 28, 2026
Book Page	3927/1671
Instrument	20266464

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.38%
Max Rate	-1%

December 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CONCORD CITY NH
Recording Date	Dec 9, 2024
Property Address	178 N STATE ST, CONCORD, NH 03301-5018
Document Number	0000017832
Book / Page	3876 / 1132
Instrument Date	Dec 6, 2024
Instrument	202400017832
Transaction Type	Transfer
Record Updated	Sep 9, 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	174B OLD DERRY RD, HUDSON, NH 03051-3039

Mortgage

Document Number	0000017833
Date	Dec 9, 2024
Instrument	202400017833

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Mortgage

Document Number	0000017834
Date	Dec 9, 2024
Book Page	3876/1153
Instrument	202400017834

Lender

Name	NHFA

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	373 Months
Due	Jan 1, 2056

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD CITY NH
Property Address	178 N STATE ST, CONCORD, NH 03301-5018
Transaction Type	Mortgage
Record Updated	Apr 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004559
Date	Apr 12, 2023
Book Page	3822/2561
Instrument	202300004559

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	May 1, 2048

Interest

Rate Type	Adjustable Rate

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD CITY NH
Property Address	178 N STATE ST, CONCORD, NH 03301-5018
Transaction Type	Mortgage
Record Updated	Oct 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100024958
Date	Sep 27, 2021
Book Page	3760/2084
Instrument	202100024958

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

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

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD CITY NH
Property Address	178 N STATE ST, CONCORD, NH 03301-5018
Document Number	0036530190
Instrument Date	Oct 31, 2019
Transaction Type	Mortgage
Record Updated	Nov 19, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	178 N STATE ST CONCORD NH 033015018, CONCORD, NH 03301-5018

Mortgage

Document Number	0036530190
Date	Oct 31, 2019
Book Page	003653/000190
Instrument	20370

Lender

Name	CMG FIN'L
Type	Funding / Finance Company
Address	SAN RAMON, CA 94583

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Oct 30, 2049

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CONCORD CITY NH
Recording Date	Oct 31, 2019
Property Address	178 N STATE ST, CONCORD, NH 03301-5018
Document Number	0036530188
Book / Page	003653 / 000188
Instrument Date	Oct 31, 2019
Instrument	20369
Transaction Type	Transfer
Record Updated	Nov 25, 2019
Title Company	OTHER

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,375.00
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	281 PROVINCE ST LACONIA NH 032463805, LACONIA, NH 03246-3805

Mortgage

Document Number	36530190
Date	Oct 31, 2019
Book Page	003653/000190
Instrument	20370

Lender

Name	CMG FIN'L
Type	Funding / Finance Company
Address	SAN RAMON, CA 94583

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 30, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 178 N State St was $8,753, 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	$8,753.00 (+5.13%)	$300,700 (-) Land $93,900 Building $206,800
2024	$8,326.00 (+3.08%)	$300,700 (-) Land $93,900 Building $206,800
2023	$8,077.00 (+3.75%)	$300,700 (-) Land $93,900 Building $206,800	$363,375
2022	$7,785.00	$300,700 Land $93,900 Building $206,800

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

Flood

FEMA maps place 178 N 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 · 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	2 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 178 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	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	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 190 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

May also be available: T-Mobile.

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