20 Exchange Ave, Concord, NH 03301 Property Records

Merrimack County and Concord City property record for 20 Exchange Ave, Concord, NH 03301

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,609 sqft · built 1955
Lot Size0.34 acres (14,810 sqft)
OwnerIndividual Name on File
Tax Bill$7,560 (2025)
Deeds & MortgagesJun 2025 Mortgage
Mar 2024 Line of Credit
+ 3 more
Flood ZoneZone X (minimal risk)
APNM:631-Z B:76

Property Details

APN / Parcel Number

Primary APNM:631-Z B:76
Alternative APN
  • CNCD M:631Z B:76

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms7 Rooms
Stories1 Story
Building Area1,609 sqft Living Area
Gross Area3,419 sqft
1st Floor Area1,231 sqft
AtticAttic
Attic Area945 sqft
Basement Area945 sqft
Unfinished Basement513 sqft

Exterior

Year BuiltBuilt 1955
Effective Year BuiltEffective 1955
Architectural StyleCape Cod
Exterior MaterialAluminum/Vinyl
Roof TypeGable
Roof MaterialAsphalt
Lot Area14,810 sqft (0.34 acres)
Deck AreaDeck Area

Utilities, Heating & Cooling

Heating SystemForced Air with A/C
Heating FuelOil

Location & Zoning

Street Address20 EXCHANGE AVE
CityCONCORD
StateNH
Zip03301-5629
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRS
Legal Block76
JurisdictionCONCORD CITY NH
Township / Civil DivisionCONCORD
Census Block Group3
Census Block3010
Census Tract32900

Owner

20 Exchange Ave is owned and occupied by an individual who acquired it in October 2022.

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

Owner of RecordIndividual Name on File
Mailing Address20 EXCHANGE AVE, CONCORD, NH 03301-5629
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Jun 26, 2025Deed of Trust, Mortgage · Conventional Mortgage
WATERSTONE MORTGAGE CORP
Mar 12, 2024Deed of Trust, Mortgage · Line of Credit
GRANITE STATE CU
Oct 5, 2022Quit Claim Deed, Transfer · FHA Mortgage
CMG MORTGAGE INC
Nov 16, 2020Deed of Trust, Mortgage · VA Mortgage
FREEDOM MTG
Apr 9, 2018Warranty Deed, Transfer · VA Mortgage
ENVOY MTG LP

Assessor's Deed Record

Deed NamesName on Deed
Last SaleOct 5, 2022
Deed SaleOct 5, 2022
Prior SaleApr 9, 2018 · Amount on File
Deed Document Number2022202200019262
Deed Book / Page3808 / 165
Prior Transfer DateSep 30, 2022
Prior Transfer Doc0000019262
Record UpdatedSep 20, 2026

June 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCONCORD CITY NH
Property Address20 EXCHANGE AVE, CONCORD, NH 03301-5629
Transaction TypeMortgage
Record UpdatedNov 25, 2025

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000009323
DateJun 26, 2025
Book Page3894/31
Instrument202500009323
Lender
NameWATERSTONE MORTGAGE CORP
TypeLending Institution
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueJul 1, 2055

March 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCONCORD CITY NH
Property Address20 EXCHANGE AVE, CONCORD, NH 03301-5629
Transaction TypeMortgage
Record UpdatedMar 27, 2024

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000003102
DateMar 12, 2024
Book Page3851/202
Instrument202400003102
Lender
NameGRANITE STATE CU
TypeCredit Union
Agreement
TypeLine of Credit
AmountAmount on Record
Interest
Rate TypeAdjustable Rate

October 2022: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionCONCORD CITY NH
Recording DateOct 5, 2022
Property Address20 EXCHANGE AVE, CONCORD, NH 03301-5629
Document Number0000019262
Book / Page3808 / 165
Instrument DateSep 30, 2022
Instrument202200019262
Transaction TypeTransfer
Record UpdatedNov 15, 2022

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address8 SHORELINE DR UNIT 3, 3, BOSCAWEN, NH 03303-3517

Mortgage

Document Number0000019263
DateOct 5, 2022
Book Page3808/168
Instrument202200019263
Lender
NameCMG MORTGAGE INC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term361 Months
DueNov 1, 2052

November 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCONCORD CITY NH
Property Address20 EXCHANGE AVE, CONCORD, NH 03301-5629
Document Number0037132189
Instrument DateNov 16, 2020
Transaction TypeMortgage
Record UpdatedJan 6, 2021
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address20 EXCHANGE AVE CONCORD NH 033015629, CONCORD, NH 03301-5629

Mortgage

Document Number0037132189
DateDec 21, 2020
Book Page003713/002189
Instrument29219
Lender
NameFREEDOM MTG
TypeMortgage Company
AddressMOUNT LAUREL, NJ 08054
Agreement
TypeVA Mortgage
AmountAmount on Record
Term336 Months
DueDec 20, 2048

April 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCONCORD CITY NH
Recording DateApr 9, 2018
Property Address20 EXCHANGE AVE, CONCORD, NH 03301-5629
Document Number0035901562
Book / Page003590 / 001562
Instrument DateApr 6, 2018
Instrument5429
Transaction TypeTransfer
Record UpdatedAug 31, 2018

Transaction

AmountAmount on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,820.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address22 PINE ST LONDONDERRY NH 030533804, LONDONDERRY, NH 03053-3804

Mortgage

Document Number35901564
DateApr 9, 2018
Book Page003590/001564
Instrument5430
Lender
NameENVOY MTG LP
TypeMortgage Company
AddressHOUSTON, TX 77056
Agreement
TypeVA Mortgage
AmountAmount on Record
Term360 Months
DueApr 8, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 20 Exchange Ave was $7,560.

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

Property Jurisdictions

TypeName
StateNew Hampshire
CountyMerrimack County
MunicipalityConcord City
Unified School DistrictConcord School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$7,560.00$259,700 Land $103,800 Building $155,900
2023$6,841.00 (+4.6%)$254,700 (+0.83%) Land $103,800 Building $150,900$338,390
2022$6,540.00$252,600 Land $103,800 Building $148,800

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

Flood

FEMA maps place 20 Exchange Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective January 22, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies1 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 20 Exchange Ave 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 RiskLow
lower than 94% of the US · lower than 97.5% of New Hampshire
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond 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 SystemCONCORD WATER DEPT
serves 44,215 people · EPA ID NH0501010
Water SourceSurface water
Last State InspectionApr 2025
Lead1 ppb (2021–2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 205 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable
2,000 / 2,000
Fidium Fiber
Fiber · DSL in parts of the area
2,000 / 2,000
Breezeline
Fiber · Cable in parts of the area
1,000 / 1,000

May also be available: AT&T, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Exchange Ave

Nearby Streets

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