186 Pine River Path, Effingham, NH 03882 Property Records

Carroll County and Effingham Town property record for 186 Pine River Path, Effingham, NH 03882

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,786 sqft · built 1988
Lot Size	2.37 acres (103,237 sqft)
Owner	Individual Name on Record
Last Sale	$135,000 (May 2016)
Tax Bill	$4,782 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Sep 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`EFFI M:00413 B:000063 L:000000`

Property Details

APN / Parcel Number

Primary APN	`EFFI M:00413 B:000063 L:000000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,786 sqft Living Area
Gross Area	2,892 sqft

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	103,237 sqft (2.37 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	186 PINE RIVER PATH
City	EFFINGHAM
State	NH
Zip	03882-8234
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA RU
Legal Block	63
Jurisdiction	EFFINGHAM TOWN NH
Township / Civil Division	EFFINGHAM
Census Block Group	1
Census Block	1011
Census Tract	955801

Owner

Source: Carroll County and Effingham Town records, as of April 30, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	186 PINE RIVER PATH, EFFINGHAM, NH 03882-8234
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2025	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Sep 30, 2022	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
May 11, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Feb 7, 2024	Deed of Trust, Mortgage · Second Mortgage (Down Payment) SECRETARY HOUSING URBAN DEVELOPMENT
Jan 26, 2017	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 13, 2016 · Amount on Record
Deed Sale	May 13, 2016 · Amount on Record
Deed Document Number	20164385
Deed Book / Page	3261 / 241
Record Updated	Jun 8, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM TOWN NH
Property Address	186 PINE RIVER PATH, EFFINGHAM, NH 03882-8234
Transaction Type	Mortgage
Record Updated	Oct 1, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003840-0878
Date	Sep 9, 2025
Book Page	3840/878
Instrument	202500082350

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	253 Months
Due	Oct 1, 2046

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM TOWN NH
Property Address	186 PINE RIVER PATH, EFFINGHAM, NH 03882-8234
Transaction Type	Mortgage
Record Updated	May 10, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003692-0204
Date	Sep 30, 2022
Book Page	3692/204
Instrument	202200113710

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	289 Months
Due	Oct 1, 2046

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM TOWN NH
Property Address	186 PINE RIVER PATH, EFFINGHAM, NH 03882-8234
Transaction Type	Mortgage
Record Updated	May 10, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003589-0301
Date	May 11, 2021
Book Page	3589/301
Instrument	2107105

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2036

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM TOWN NH
Property Address	186 PINE RIVER PATH, EFFINGHAM, NH 03882-8234
Transaction Type	Mortgage
Record Updated	May 10, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003758-0722
Date	Feb 7, 2024
Book Page	3758/722
Instrument	202400011140

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	253 Months
Due	Mar 1, 2045

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM TOWN NH
Property Address	186 PINE RIVER PATH, EFFINGHAM, NH 03882-8234
Document Number	0033100990
Book / Page	003310 / 000990
Instrument Date	Jan 26, 2017
Transaction Type	Mortgage
Record Updated	Feb 28, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0033100990
Date	Feb 6, 2017
Book Page	003310/000990
Instrument	1274

Lender

Name	FREEDOM MTG
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 5, 2047

Tax Assessment & Valuation

Source: Carroll County and Effingham Town assessment roll, as of April 30, 2026

Property Jurisdictions

Type	Name
State	New Hampshire
County	Carroll County
County Subdivision	Effingham Town
Unified School District	Governor Wentworth Regional School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,782.00 (+2.33%)	$310,900 (+83.1%) Land $73,900 Building $237,000
2024	$4,673.00 (+11.47%)	$169,800 (-) Land $46,900 Building $122,900	$347,605
2023	$4,192.00 (+4.75%)	$169,800 (-) Land $46,900 Building $122,900
2022	$4,002.00	$169,800 Land $46,900 Building $122,900

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

Flood

Source: FEMA National Flood Hazard Layer, effective October 13, 2022 · 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

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

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	LOST VALLEY private · serves 206 people · EPA ID NH0732030
Water Source	Groundwater
Last State Inspection	Aug 2025

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

Provider	Max Down / Up (Mbps)
Fidium Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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