Merrimack County and Concord City property record for 21 S Spring St, Concord, NH 03301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 986 sqft · built 1870 |
| Lot Size | 0.11 acres (4,792 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $247,000 (Aug 2019) |
| Tax Bill | $7,181 (2025) |
| Deeds & Mortgages | May 2026 Line of Credit Sep 2021 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M:32 B:5 L:1 |
| Primary APN | M:32 B:5 L:1 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 986 sqft Living Area |
| Gross Area | 2,572 sqft |
| 1st Floor Area | 704 sqft |
| Attic | Attic |
| Attic Area | 704 sqft |
| Basement Area | 944 sqft |
| Unfinished Basement | 458 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1870 |
|---|---|
| Effective Year Built | Effective 1870 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 4,792 sqft (0.11 acres) |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Steam |
| Heating Fuel | Oil |
| Street Address | 21 S SPRING ST |
|---|---|
| City | CONCORD |
| State | NH |
| Zip | 03301-2432 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RD |
| Legal Block | 41 |
| Legal Lot Number | 1 |
| Jurisdiction | CONCORD CITY NH |
| Township / Civil Division | CONCORD |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 32200 |
Source: Merrimack County and Concord City records · APN M:32 B:5 L:1
Assessment roll updated April 30, 2026 · Last verified June 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 File |
|---|---|
| Mailing Address | 21 S SPRING ST, CONCORD, NH 03301-2432 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| May 06, 2026 | Deed of Trust, Mortgage · Line of Credit PENTAGON FEDERAL CREDIT UNION |
| Sep 28, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance NORTHPOINT MORTGAGE INC |
| Aug 12, 2019 | Warranty Deed, Transfer · Conventional with PMI ENVOY MTG LP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 12, 2019 · Amount on Record |
| Deed Sale | Aug 12, 2019 · Amount on Record |
| Prior Sale | Jul 06, 1998 · Amount on Record |
| Deed Document Number | 201914111 |
| Deed Book / Page | 3641 / 2959 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CONCORD CITY NH |
| Recording Date | May 06, 2026 |
| Property Address | 21 S SPRING ST, CONCORD, NH 03301-2432 |
| Document Number | 0000007057 |
| Book / Page | 3928 / 1886 |
| Instrument Date | May 01, 2026 |
| Instrument | 20267057 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 21 S SPRING ST, CONCORD, NH 03301-2432 |
| Document Number | 0000007057, |
|---|---|
| Date | May 06, 2026 |
| Book Page | 3928/1886 |
| Instrument | 20267057 |
| Name | PENTAGON FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.46% |
| Initial Type | Adjustable Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CONCORD CITY NH |
| Property Address | 21 S SPRING ST, CONCORD, NH 03301-2432 |
| Transaction Type | Mortgage |
| Record Updated | Oct 13, 2021 |
| Name | Verified Name |
|---|
| Document Number | 202100025078 |
|---|---|
| Date | Sep 28, 2021 |
| Book Page | 3760/2911 |
| Instrument | 202100025078 |
| Name | NORTHPOINT MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 277 Months |
| Due | Oct 01, 2044 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CONCORD CITY NH |
| Recording Date | Aug 12, 2019 |
| Property Address | 21 S SPRING ST, CONCORD, NH 03301-2432 |
| Document Number | 0036412959 |
| Book / Page | 003641 / 002959 |
| Instrument Date | Aug 09, 2019 |
| Instrument | 14111 |
| Transaction Type | Transfer |
| Record Updated | Aug 29, 2019 |
| Title Company | OTHER |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,705.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 353 MANCHESTER ST #1R MANCHESTER NH 031034867, 1R, MANCHESTER, NH 03103-4867 |
| Document Number | 36412961 |
|---|---|
| Date | Aug 12, 2019 |
| Book Page | 003641/002961 |
| Instrument | 14112 |
| Name | ENVOY MTG LP |
|---|---|
| Type | Mortgage Company |
| Address | HOUSTON, TX 77043 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 11, 2049 |
Source: Merrimack County and Concord City records · Assessment roll updated April 30, 2026 · Last verified June 2026
| Type | Name |
|---|---|
| State | New Hampshire |
| County | Merrimack County |
| Municipality | Concord City |
| Unified School District | Concord School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,181.00 (+7.24%) | $246,700 (-1.04%) Land $89,100 Building $157,600 | |
| 2023 | $6,696.00 (+3.75%) | $249,300 (-) Land $89,100 Building $160,200 | $384,180 |
| 2022 | $6,454.00 | $249,300 Land $89,100 Building $160,200 |
Source: FEMA National Flood Hazard Layer as of January 22, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| 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 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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Consolidated Communications Fiber · DSL in parts of the area | 2,000 / 2,000 |
| Cogeco Cable Holdings II Fiber · Cable in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 664 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CONCORD WATER DEPT serves 44,215 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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