20 Palm St, Concord, NH 03301 Property Records

Merrimack County and Concord City property record for 20 Palm St, Concord, NH 03301

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,634 sqft · built 1900
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on File
Tax Bill	$7,184 (2025)
Deeds & Mortgages	Feb 2023 Mortgage Feb 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`M:494-Z B:16`

Property Details

APN / Parcel Number

Primary APN	`M:494-Z B:16`
Alternative APN	`CNCD M:494Z B:16`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,634 sqft Living Area
Gross Area	3,288 sqft
1st Floor Area	1,038 sqft
Attic	Attic
Attic Area	306 sqft
Basement Area	1,006 sqft
Unfinished Basement	1,006 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,276 sqft (0.19 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	20 PALM ST
City	CONCORD
State	NH
Zip	03301-3255
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RN
Legal Block	16
Jurisdiction	CONCORD CITY NH
Township / Civil Division	CONCORD
Census Block Group	1
Census Block	1024
Census Tract	32500

Owner

20 Palm St is owned and occupied by two individuals who acquired it in February 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	20 PALM ST, CONCORD, NH 03301-3255
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
Feb 21, 2023	Deed of Trust, Mortgage · ARM AMERICAN ADVISORS GROUP
Feb 21, 2023	Deed of Trust, Mortgage · ARM SECRETARY HOUSING URBAN DEVELOPMENT
Feb 25, 2020	Quit Claim Deed, Transfer NEW HAMPSHIRE FCU
Dec 23, 2019	Deed of Trust, Mortgage · Conventional Mortgage TD BK NA
Sep 11, 2018	Deed of Trust, Mortgage · Line of Credit TD BK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Feb 20, 2020
Transfer Doc	0000003627
Record Updated	Sep 20, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD CITY NH
Property Address	20 PALM ST, CONCORD, NH 03301-3255
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002169
Date	Feb 21, 2023
Book Page	3819/112
Instrument	202300002169

Lender

Name	AMERICAN ADVISORS GROUP

Agreement

Type	ARM
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	6.4%
Type Change Date	Apr 1, 2023
Index	Other

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD CITY NH
Property Address	20 PALM ST, CONCORD, NH 03301-3255
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002170
Date	Feb 21, 2023
Book Page	3819/125
Instrument	202300002170

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	ARM
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	6.4%
Type Change Date	Apr 1, 2023
Index	Other

February 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CONCORD CITY NH
Recording Date	Feb 25, 2020
Property Address	20 PALM ST, CONCORD, NH 03301-3255
Document Number	0036662157
Book / Page	003666 / 002157
Instrument Date	Feb 20, 2020
Instrument	3627
Transaction Type	Transfer
Record Updated	Mar 16, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	20 PALM ST CONCORD NH 033013255, CONCORD, NH 03301-3255

Mortgage

Document Number	36662159
Date	Feb 25, 2020
Book Page	003666/002159
Instrument	3628

Lender

Name	NEW HAMPSHIRE FCU
Type	Credit Union
Address	CONCORD, NH 03301

Agreement

Amount	Amount on Record
Term	360 Months
Due	Feb 24, 2050

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD CITY NH
Property Address	20 PALM ST, CONCORD, NH 03301-3255
Document Number	0036620862
Instrument Date	Dec 23, 2019
Transaction Type	Mortgage
Record Updated	Feb 5, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 PALM ST CONCORD NH 033013255, CONCORD, NH 03301-3255

Mortgage

Document Number	0036620862
Date	Jan 13, 2020
Book Page	003662/000862
Instrument	819

Lender

Name	TD BK NA
Type	Bank
Address	WILMINGTON, DE 19808

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 12, 2050

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD CITY NH
Property Address	20 PALM ST, CONCORD, NH 03301-3255
Document Number	0036081048
Instrument Date	Sep 11, 2018
Transaction Type	Mortgage
Record Updated	Sep 28, 2018
Title Company	ISGN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 PALM ST CONCORD NH 033013255, CONCORD, NH 03301-3255

Mortgage

Document Number	0036081048
Date	Sep 18, 2018
Book Page	003608/001048
Instrument	16823

Lender

Name	TD BK NA
Type	Bank
Address	PORTLAND, ME 04101

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 17, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 20 Palm St was $7,184, 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	$7,184.00 (+5.12%)	$246,800 (-) Land $100,500 Building $146,300
2024	$6,834.00 (+3.09%)	$246,800 (-) Land $100,500 Building $146,300
2023	$6,629.00 (+3.74%)	$246,800 (-) Land $100,500 Building $146,300	$332,025
2022	$6,390.00	$246,800 Land $100,500 Building $146,300

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

Flood

FEMA maps place 20 Palm 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	5 in force
Nearby Flood Claims	1 (1978)
Most Recent Claim	Feb 1978 · tidal / storm surge

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 Palm 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	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	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 32 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Fidium Fiber Fiber	2,000 / 2,000
Xfinity Cable	1,200 / 35

May also be available: Breezeline.

Cell Coverage

4G LTE only, no 5G reported

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