20 Central St, Derry, NH 03038 Property Records

Rockingham County and Derry Town property record for 20 Central St, Derry, NH 03038

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,246 sqft · built 1828
Lot Size	0.44 acres (19,166 sqft)
Owner	2 Individual Names on Record
Last Sale	$245,000 (Jul 2018)
Tax Bill	$7,159 (2025)
Deeds & Mortgages	Feb 2020 Mortgage Jul 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`DERY M:26 B:178`

Property Details

APN / Parcel Number

Primary APN	`DERY M:26 B:178`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,246 sqft Living Area
Gross Area	2,472 sqft
1st Floor Area	855 sqft
Basement Area	855 sqft
Unfinished Basement	855 sqft

Exterior

Year Built	Built 1828
Effective Year Built	Effective 1828
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	19,166 sqft (0.44 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	20 CENTRAL ST
City	DERRY
State	NH
Zip	03038-2505
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CBD
Legal Block	178
Jurisdiction	DERRY TOWN NH
Township / Civil Division	DERRY
Census Block Group	2
Census Block	2005
Census Tract	3500

Owner

Source: Rockingham County and Derry Town records, as of July 28, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	20 CENTRAL ST, DERRY, NH 03038-2505
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 10, 2020	Deed of Trust, Mortgage · FHA Mortgage MR COOPER
Jul 3, 2018	Warranty Deed, Transfer · FHA Mortgage DITECH FIN'L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 3, 2018 · Amount on Record
Deed Sale	Jul 3, 2018 · Amount on Record
Prior Sale	Jul 14, 2006 · Amount on Record
Deed Document Number	201825930
Deed Book / Page	5927 / 515
Record Updated	Oct 29, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DERRY TOWN NH
Property Address	20 CENTRAL ST, DERRY, NH 03038-2505
Document Number	0060841868
Instrument Date	Feb 10, 2020
Transaction Type	Mortgage
Record Updated	Mar 6, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	20 CENTRAL ST DERRY NH 030382505, DERRY, NH 03038-2505

Mortgage

Document Number	0060841868
Date	Feb 18, 2020
Book Page	006084/001868
Instrument	6963

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 17, 2050

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DERRY TOWN NH
Recording Date	Jul 3, 2018
Property Address	20 CENTRAL ST, DERRY, NH 03038-2505
Document Number	0059270515
Book / Page	005927 / 000515
Instrument Date	Jun 29, 2018
Instrument	25930
Transaction Type	Transfer
Record Updated	Sep 25, 2018
Title Company	TITLE SERVICE AND LIAISON COMPANIES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,675.00
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	968 EAST ST TEWKSBURY MA 018761456, TEWKSBURY, MA 01876-1456

Mortgage

Document Number	59270517
Date	Jul 3, 2018
Book Page	005927/000517
Instrument	25931

Lender

Name	DITECH FIN'L
Address	FORT WASHINGTON, PA 19034

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 2, 2048

Tax Assessment & Valuation

Source: Rockingham County and Derry Town assessment roll, as of July 28, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,159.00 (+1.6%)	$377,000 (-) Land $210,600 Building $166,400
2024	$7,046.00 (+2.59%)	$377,000 (+13.52%) Land $210,600 Building $166,400
2023	$6,868.00 (+8.62%)	$332,100 (-) Land $178,900 Building $153,200	$401,470
2022	$6,323.00	$332,100 Land $178,900 Building $153,200

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 December 26, 2025 · 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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	8 units insured incl. 2 condo units
Nearby Flood Claims	9 (1996–2007)
Claims Outside the SFHA	7 of 9
Most Recent Claim	Apr 2007 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Apr 2007 · 5 claims Fall Northeaster Rainstorm, Oct 1996 · 2 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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	DERRY WATER DEPT serves 17,528 people · EPA ID NH0611010
Water Source	Purchased surface water from MANCHESTER WATER WORKS
Last State Inspection	Oct 2025
Lead	Under 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 383 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
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

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