22 Charles St, Franklin, NH 03235 Property Records

Merrimack County and Franklin City property record for 22 Charles St, Franklin, NH 03235

Property Summary

Property Type	Single Family Home
Details	6 bd · 2.5 ba · 3,420 sqft · built 1890
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on Record
Last Sale	$211,400 (Nov 2024)
Tax Bill	$6,052 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Dec 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`FRKN M:134 B:205 L`

Property Details

APN / Parcel Number

Primary APN	`FRKN M:134 B:205 L`

Interior

Bedrooms	6 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	3 Stories
Building Area	3,420 sqft Living Area
Gross Area	5,513 sqft
1st Floor Area	2,818 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,890 sqft (0.25 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	22 CHARLES ST
City	FRANKLIN
State	NH
Zip	03235-1358
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3W&S
Legal Block	205
Jurisdiction	FRANKLIN CITY NH
Township / Civil Division	FRANKLIN
Census Block Group	3
Census Block	3026
Census Tract	43002

Owner

Source: Merrimack County and Franklin City records, as of July 22, 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	8 SUN HILL RD, RAYMOND, NH 03077-1370
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2026	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Dec 3, 2025	Deed of Trust, Mortgage · Conventional Mortgage SAGE HM LOANS CORP
Feb 24, 2020	Quit Claim Deed, Transfer FRANKLIN SVGS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 1, 2024 · Amount on Record
Deed Sale	Nov 1, 2024 · Amount on Record
Prior Sale	Oct 26, 2011 · Amount on Record
Deed Document Number	202415988
Deed Book / Page	3873 / 142
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN CITY NH
Recording Date	Jun 30, 2026
Property Address	22 CHARLES ST, FRANKLIN, NH 03235-1358
Document Number	0000010382
Book / Page	3934 / 2327
Instrument Date	Jun 12, 2026
Instrument	202610382
Transaction Type	Mortgage
Record Updated	Jul 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 CHARLES ST, FRANKLIN, NH 03235-1358

Mortgage

Document Number	0000010382,
Date	Jun 30, 2026
Book Page	3934/2327
Instrument	202610382

Lender

Name	FIGURE LENDING LLC

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate	6.36%
Max Rate	-1%

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN CITY NH
Property Address	22 CHARLES ST, FRANKLIN, NH 03235-1358
Transaction Type	Mortgage
Record Updated	Dec 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000019683
Date	Dec 3, 2025
Book Page	3912/2619
Instrument	202500019683

Lender

Name	SAGE HM LOANS CORP

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Jan 1, 2055

February 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRANKLIN CITY NH
Recording Date	Feb 24, 2020
Property Address	22 CHARLES ST, FRANKLIN, NH 03235-1358
Document Number	0036661623
Book / Page	003666 / 001623
Instrument Date	Jan 15, 2020
Instrument	3538
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
Address	767 RACOON HILL RD ANDOVER NH 032164041, ANDOVER, NH 03216-4041

Mortgage

Document Number	36661625
Date	Feb 24, 2020
Book Page	003666/001625
Instrument	3539

Lender

Name	FRANKLIN SVGS BK
Type	Federal Savings Bank
Address	FRANKLIN, NH 03235

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Feb 23, 2040

Tax Assessment & Valuation

Source: Merrimack County and Franklin City assessment roll, as of April 30, 2026

Property Jurisdictions

Type	Name
State	New Hampshire
County	Merrimack County
Municipality	Franklin City
Unified School District	Franklin School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$6,052.00 (+29.79%)	$343,300 (+79.55%) Land $72,800 Building $270,500
2022	$4,663.00	$191,200 Land $59,300 Building $131,900

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

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 Claims	2 (2014)
Claims Outside the SFHA	2 of 2
Most Recent Claim	May 2014 · other causes

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

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
Adjoins Burnable Land	Yes

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	FRANKLIN WATER WORKS serves 7,200 people · EPA ID NH0851010
Water Source	Groundwater
Last State Inspection	May 2025
Lead	3 ppb (2024) 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 307 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Fiber	2,000 / 2,000
Breezeline Fiber · Cable in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Fidium Fiber.

Nearby Properties on Charles St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures