Merrimack County and Concord City property record for 20 S Fruit St, Concord, NH 03301
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,856 sqft · built 1913 |
| Lot Size | 0.35 acres (15,246 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $219,000 (Oct 2008) |
| Tax Bill | $9,126 (2025) |
| Deeds & Mortgages | Apr 2026 Line of Credit Mar 2021 Refinance + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | CNCD M:7331Z B:7 |
| Primary APN | CNCD M:7331Z B:7 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,856 sqft Living Area |
| Gross Area | 5,456 sqft |
| 1st Floor Area | 928 sqft |
| Attic | Attic |
| Attic Area | 928 sqft |
| Basement Area | 928 sqft |
| Unfinished Basement | 928 sqft |
| Year Built | Built 1913 |
|---|---|
| Effective Year Built | Effective 1913 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 15,246 sqft (0.35 acres) |
| Deck Area | Deck Area |
| Heating System | Steam |
|---|---|
| Heating Fuel | Gas |
| Street Address | 20 S FRUIT ST |
|---|---|
| City | CONCORD |
| State | NH |
| Zip | 03301-2411 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RM |
| Legal Block | 7 |
| Legal Lot Number | 8 |
| Jurisdiction | CONCORD CITY NH |
| Township / Civil Division | CONCORD |
| Census Block Group | 1 |
| Census Block | 1024 |
| Census Tract | 32200 |
Source: Merrimack County and Concord City 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 | 5000 PLANO PKWY, CARROLLTON, TX 75010-4900 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Apr 23, 2026 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Mar 8, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance CMG MORTGAGE INC |
| Apr 4, 2022 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Apr 19, 2019 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Nov 9, 2017 | Deed of Trust, Mortgage · Conventional with PMI REGENCY MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 30, 2008 · Amount on Record |
| Deed Sale | Oct 30, 2008 · Amount on Record |
| Deed Book / Page | 3094 / 911 |
| Last Transfer Date | Apr 8, 2019 |
| Transfer Doc | 0036280125 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CONCORD CITY NH |
| Recording Date | Apr 23, 2026 |
| Property Address | 20 S FRUIT ST, CONCORD, NH 03301-2411 |
| Document Number | 0000006179 |
| Book / Page | 3926 / 2846 |
| Instrument Date | Apr 8, 2026 |
| Instrument | 20266179 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 20 S FRUIT ST, CONCORD, NH 03301-2411 |
| Document Number | 0000006179, |
|---|---|
| Date | Apr 23, 2026 |
| Book Page | 3926/2846 |
| Instrument | 20266179 |
| Name | CITIZENS BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | May 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.11% |
| Initial Type | Adjustable Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CONCORD CITY NH |
| Property Address | 20 S FRUIT ST, CONCORD, NH 03301-2411 |
| Transaction Type | Mortgage |
| Record Updated | Apr 10, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0000006063 |
|---|---|
| Date | Mar 8, 2021 |
| Book Page | 3727/699 |
| Instrument | 202100006063 |
| Name | CMG MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CONCORD CITY NH |
| Property Address | 20 S FRUIT ST, CONCORD, NH 03301-2411 |
| Transaction Type | Mortgage |
| Record Updated | Apr 10, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0000006560 |
|---|---|
| Date | Apr 4, 2022 |
| Book Page | 3787/737 |
| Instrument | 202200006560 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | May 1, 2047 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CONCORD CITY NH |
| Recording Date | Apr 19, 2019 |
| Property Address | 20 S FRUIT ST, CONCORD, NH 03301-2411 |
| Document Number | 0036280125 |
| Book / Page | 003628 / 000125 |
| Instrument Date | Apr 8, 2019 |
| Instrument | 5960 |
| Transaction Type | Transfer |
| Record Updated | Apr 30, 2019 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 20 S FRUIT ST CONCORD NH 033012411, CONCORD, NH 03301-2411 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CONCORD CITY NH |
| Property Address | 20 S FRUIT ST, CONCORD, NH 03301-2411 |
| Document Number | 0035770264 |
| Book / Page | 003577 / 000264 |
| Instrument Date | Nov 9, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 30, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 20 S FRUIT ST CONCORD NH 033012411, CONCORD, NH 03301-2411 |
| Document Number | 0035770264 |
|---|---|
| Date | Nov 15, 2017 |
| Book Page | 003577/000264 |
| Instrument | 21579 |
| Name | REGENCY MTG |
|---|---|
| Type | Mortgage Company |
| Address | ALAMO, CA 94507 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Nov 14, 2042 |
Source: Merrimack County and Concord City assessment roll, as of July 28, 2026
| Type | Name |
|---|---|
| State | New Hampshire |
| County | Merrimack County |
| Municipality | Concord City |
| Unified School District | Concord School District (PK - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $9,126.00 (-0.69%) | $313,500 (-8.36%) Land $111,800 Building $201,700 |
| 2023 | $9,189.00 (+3.75%) | $342,100 (-) Land $111,800 Building $230,300 |
| 2022 | $8,857.00 | $342,100 Land $111,800 Building $230,300 |
Assessed value is set for property tax purposes and is not a market price estimate.
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.
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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 664 locations within half a mile, as of December 31, 2025
| Provider | Max 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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