23 Carter St, Concord, NH 03301 Property Records

Merrimack County and Concord City property record for 23 Carter St, Concord, NH 03301

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,151 sqft · built 1927
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Individual Names on File
Last Sale	$295,000 (Jun 2019)
Tax Bill	$10,413 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Jun 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:19 B:1 L:7`

Property Details

APN / Parcel Number

Primary APN	`M:19 B:1 L:7`
Alternative APN	`CNCD M:7914Z B:90`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,151 sqft Living Area
Gross Area	4,194 sqft
1st Floor Area	1,237 sqft
Attic	Attic
Attic Area	308 sqft
Basement Area	1,237 sqft
Unfinished Basement	1,237 sqft

Exterior

Year Built	Built 1927
Effective Year Built	Effective 1927
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,148 sqft (0.21 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Street Address	23 CARTER ST
City	CONCORD
State	NH
Zip	03301-2752
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RN
Legal Block	90
Legal Lot Number	7
Jurisdiction	CONCORD CITY NH
Township / Civil Division	CONCORD
Census Block Group	2
Census Block	2021
Census Tract	32100

Owner

23 Carter St is owned and occupied by two individuals who bought it in June 2019.

Source: Merrimack County and Concord City records, as of April 30, 2026

Owner of Record	2 Individual Names on File
Mailing Address	23 CARTER ST, CONCORD, NH 03301-2752
Occupancy	Owner Occupied
Owner Type	Individual

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
Apr 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage CMG FIN'L
Jun 7, 2019	Warranty Deed, Transfer · Conventional Mortgage CMG FIN'L
Jun 4, 2019	Warranty Deed, Transfer · Conventional Mortgage CMG FIN'L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 4, 2019 · Amount on File
Deed Sale	Jun 4, 2019 · Amount on File
Prior Sale	Sep 20, 1990 · Amount on File
Deed Document Number	20198901
Deed Book / Page	3632 / 2835
Record Updated	Jun 8, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD CITY NH
Property Address	23 CARTER ST, CONCORD, NH 03301-2752
Document Number	0036730920
Instrument Date	Apr 16, 2020
Transaction Type	Mortgage
Record Updated	Jun 15, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23 CARTER ST CONCORD NH 033012752, CONCORD, NH 03301-2752

Mortgage

Document Number	0036730920
Date	Apr 21, 2020
Book Page	003673/000920
Instrument	7244

Lender

Name	CMG FIN'L
Type	Funding / Finance Company
Address	SAN RAMON, CA 94583

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 20, 2050

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CONCORD CITY NH
Recording Date	Jun 7, 2019
Property Address	23 CARTER ST, CONCORD, NH 03301-2752
Document Number	0036330832
Book / Page	003633 / 000832
Instrument Date	Jun 6, 2019
Instrument	9076
Transaction Type	Transfer
Record Updated	Jun 25, 2019
Title Company	OTHER

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,714.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	23 CARTER ST CONCORD NH 033012752, CONCORD, NH 03301-2752

Mortgage

Document Number	36330834
Date	Jun 7, 2019
Book Page	003633/000834
Instrument	9077

Lender

Name	CMG FIN'L
Type	Funding / Finance Company
Address	SAN RAMON, CA 94583

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 6, 2049

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CONCORD CITY NH
Recording Date	Jun 4, 2019
Property Address	23 CARTER ST, CONCORD, NH 03301-2752
Document Number	0036322835
Book / Page	003632 / 002835
Instrument Date	May 31, 2019
Instrument	8901
Transaction Type	Transfer
Record Updated	Jun 21, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,425.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	8 WALL ST #2 CONCORD NH 033013740, 2, CONCORD, NH 03301-3740

Mortgage

Document Number	36322837
Date	Jun 4, 2019
Book Page	003632/002837
Instrument	8902

Lender

Name	CMG FIN'L
Type	Funding / Finance Company
Address	SAN RAMON, CA 94583

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 3, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 23 Carter St was $10,413.

Source: Merrimack County and Concord City assessment roll, as of April 30, 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	$10,413.00	$357,700 Land $121,400 Building $236,300
2023	$9,608.00 (+3.75%)	$357,700 (-) Land $121,400 Building $236,300	$539,315
2022	$9,261.00	$357,700 Land $121,400 Building $236,300

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

Flood

FEMA maps place 23 Carter St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective January 22, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 23 Carter St is low, with less than 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 94% of the US · lower than 97.5% of New Hampshire
Wildfire Likelihood	Under 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.

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Fidium Fiber Fiber	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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