225 Pine River Path, Effingham, NH 03882 Property Records

Carroll County and Effingham Town property record for 225 Pine River Path, Effingham, NH 03882

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 3,149 sqft · built 1991
Lot Size	2.77 acres (120,661 sqft)
Owner	2 Individual Names on Record
Last Sale	$247,500 (Oct 2003)
Tax Bill	$8,321 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Dec 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`EFFI M:00413 B:000079 L:000000`

Property Details

APN / Parcel Number

Primary APN	`EFFI M:00413 B:000079 L:000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	3,149 sqft Living Area
Gross Area	5,810 sqft

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Metal
Lot Area	120,661 sqft (2.77 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	225 PINE RIVER PATH
City	EFFINGHAM
State	NH
Zip	03882-8235
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA RU
Legal Block	79
Jurisdiction	EFFINGHAM TOWN NH
Township / Civil Division	EFFINGHAM
Census Block Group	1
Census Block	1015
Census Tract	955801

Owner

Source: Carroll County and Effingham Town 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	225 PINE RIVER PATH, EFFINGHAM, NH 03882-8235
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 21, 2026	Deed of Trust, Mortgage · Conventional Mortgage WATERSTONE MORTGAGE CORPORATION
Dec 8, 2021	Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC
Oct 26, 2021	Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC
Apr 15, 2024	Deed of Trust, Mortgage · VA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 31, 2003 · Amount on Record
Deed Sale	Oct 31, 2003 · Amount on Record
Deed Book / Page	2228 / 875
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM TOWN NH
Recording Date	Apr 21, 2026
Property Address	225 PINE RIVER PATH, EFFINGHAM, NH 03882-8235
Document Number	003876-1080
Book / Page	3876 / 1080
Instrument Date	Apr 20, 2026
Instrument	20263536
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003536,
Date	Apr 21, 2026
Book Page	3876/1080
Instrument	20263536

Lender

Name	WATERSTONE MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.22%
Max Rate	-1%

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM TOWN NH
Property Address	225 PINE RIVER PATH, EFFINGHAM, NH 03882-8235
Transaction Type	Mortgage
Record Updated	May 10, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003638-0281
Date	Dec 8, 2021
Book Page	3638/281
Instrument	2118405

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM TOWN NH
Property Address	225 PINE RIVER PATH, EFFINGHAM, NH 03882-8235
Transaction Type	Mortgage
Record Updated	May 10, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003628-0560
Date	Oct 26, 2021
Book Page	3628/560
Instrument	2116167

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM TOWN NH
Property Address	225 PINE RIVER PATH, EFFINGHAM, NH 03882-8235
Transaction Type	Mortgage
Record Updated	May 10, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003766-0866
Date	Apr 15, 2024
Book Page	3766/866
Instrument	202400029980

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	325 Months
Due	May 1, 2051

Tax Assessment & Valuation

Source: Carroll County and Effingham Town assessment roll, as of July 28, 2026

Property Jurisdictions

Type	Name
State	New Hampshire
County	Carroll County
County Subdivision	Effingham Town
Unified School District	Governor Wentworth Regional School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,321.00 (+2.88%)	$541,000 (+84.08%) Land $73,100 Building $467,900
2024	$8,088.00 (+11.47%)	$293,900 (-) Land $45,300 Building $248,600	$438,710
2023	$7,256.00 (+4.75%)	$293,900 (-) Land $45,300 Building $248,600
2022	$6,927.00	$293,900 Land $45,300 Building $248,600

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

Flood

Source: FEMA National Flood Hazard Layer, effective October 13, 2022 · 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	3 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

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	LOST VALLEY private · serves 206 people · EPA ID NH0732030
Water Source	Groundwater
Last State Inspection	Aug 2025

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

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

Cell Coverage

5G and 4G LTE (outdoors only)

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