20 Prospect St, Concord, NH 03301 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,078 sqft · built 1903
Lot Size	0.06 acres (2,614 sqft)
Owner	Individual Name on File
Last Sale	$335,000 (Dec 2025)
Tax Bill	$6,780 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Dec 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`M:5831-Z B:67`

Property Details

APN / Parcel Number

Primary APN	`M:5831-Z B:67`
Alternative APN	`CNCD M:5831Z B:67`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,078 sqft Living Area
Gross Area	2,130 sqft
1st Floor Area	674 sqft
Basement Area	674 sqft
Unfinished Basement	465 sqft

Exterior

Year Built	Built 1903
Effective Year Built	Effective 1903
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	2,614 sqft (0.06 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	20 PROSPECT ST
City	CONCORD
State	NH
Zip	03301-4651
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	UT
Legal Block	67
Jurisdiction	CONCORD CITY NH
Township / Civil Division	CONCORD
Census Block Group	1
Census Block	1000
Census Tract	44300

Owner

20 Prospect St is owned by an individual who bought it in December 2025.

Source: Merrimack County and Concord City records, as of October 19, 2026

Owner of Record	Individual Name on File
Mailing Address	30 EATON AVE, BENNINGTON, NH 03442-4309
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
Dec 30, 2025	Deed of Trust, Mortgage · Cash (No Mortgage) NHFA
Dec 30, 2025	Warranty Deed, Transfer · FHA Mortgage CMG MORTGAGE INC
Nov 3, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage ENVOY MORTGAGE LTD
Jul 7, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage RESIDENTIAL CAPITAL

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 30, 2025 · Amount on File
Deed Sale	Dec 30, 2025 · Amount on File
Prior Sale	Nov 3, 2021 · Amount on File
Deed Document Number	202521205
Deed Book / Page	3915 / 2540
Prior Transfer Date	Nov 1, 2021
Prior Transfer Doc	0000028319
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD CITY NH
Property Address	20 PROSPECT ST, CONCORD, NH 03301-4651
Transaction Type	Mortgage
Record Updated	Feb 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000021207
Date	Dec 30, 2025
Book Page	3915/2560
Instrument	202500021207

Lender

Name	NHFA

Agreement

Type	Cash (No Mortgage)
Amount	Amount on Record
Term	349 Months
Due	Jan 1, 2055

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CONCORD CITY NH
Recording Date	Dec 30, 2025
Property Address	20 PROSPECT ST, CONCORD, NH 03301-4651
Document Number	0000021205
Book / Page	3915 / 2540
Instrument Date	Dec 29, 2025
Instrument	202500021205
Transaction Type	Transfer
Record Updated	Feb 27, 2026

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	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	30 EATON AVE, BENNINGTON, NH 03442-4309

Mortgage

Document Number	0000021206
Date	Dec 30, 2025
Instrument	202500021206

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	349 Months
Due	Jan 1, 2055

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CONCORD CITY NH
Recording Date	Nov 3, 2021
Property Address	20 PROSPECT ST, CONCORD, NH 03301-4651
Document Number	202100028319
Book / Page	3767 / 355
Instrument Date	Nov 1, 2021
Instrument	202100028319
Transaction Type	Transfer
Record Updated	Nov 17, 2021

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	26 ROYAL CREST DR, MARLBOROUGH, MA 01752-2425

Mortgage

Document Number	202100028320
Date	Nov 3, 2021
Instrument	202100028320

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CONCORD CITY NH
Recording Date	Jul 7, 2021
Property Address	20 PROSPECT ST, CONCORD, NH 03301-4651
Document Number	0000017491
Book / Page	3747 / 2213
Instrument Date	Jul 2, 2021
Instrument	202100017491
Transaction Type	Transfer
Record Updated	Jan 17, 2022

Transaction

Amount	Amount 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	29 NORTHERN BLVD # 2, 2, AMHERST, NH 03031-2313
Investor	Possibly a Property Investor

Mortgage

Document Number	0000017492
Date	Jul 7, 2021
Instrument	202100017492

Lender

Name	RESIDENTIAL CAPITAL

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 20 Prospect St was $6,780, 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	$6,780.00 (+5.13%)	$232,900 (-) Land $97,500 Building $135,400
2024	$6,449.00 (+3.09%)	$232,900 (-) Land $97,500 Building $135,400
2023	$6,256.00 (+3.75%)	$232,900 (-) Land $97,500 Building $135,400	$316,065
2022	$6,030.00	$232,900 Land $97,500 Building $135,400

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

Flood

FEMA maps place 20 Prospect St 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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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 Prospect 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

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Breezeline, Fidium Fiber, Verizon.

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