23 Upham Rd, Amherst, NH 03031 Property Records

Hillsborough County and Amherst Town property record for 23 Upham Rd, Amherst, NH 03031

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,240 sqft · built 1980
Lot Size	2.06 acres (89,734 sqft)
Owner	2 Individual Names on File
Last Sale	$600,000 (Jul 2025)
Tax Bill	$11,028 (2025)
Deeds & Mortgages	Nov 2021 Line of Credit Jul 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`AMHS M:004 B:146 L:003`

Property Details

APN / Parcel Number

Primary APN	`AMHS M:004 B:146 L:003`
Alternative APN	`2277`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,240 sqft Living Area
Gross Area	4,852 sqft
1st Floor Area	1,120 sqft
Attic	Attic
Attic Area	600 sqft
Basement Area	1,120 sqft
Unfinished Basement	616 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	89,734 sqft (2.06 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	2277
Street Address	23 UPHAM RD
City	AMHERST
State	NH
Zip	03031-1902
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Block	146
Legal Lot Number	3
Jurisdiction	AMHERST TOWN NH
Township / Civil Division	AMHERST
Census Block Group	3
Census Block	3001
Census Tract	15200

Owner

23 Upham Rd is owned by two individuals who bought it in July 2025.

Source: Hillsborough County and Amherst Town records, as of July 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	21 UPHAM RD, AMHERST, NH 03031-1902
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

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
Nov 4, 2021	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Jul 28, 2025	Warranty Deed, Transfer · Conventional Mortgage BAR HARBOR BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 28, 2025 · Amount on File
Deed Sale	Jul 28, 2025 · Amount on File
Deed Document Number	20252526081
Deed Book / Page	9874 / 2230
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AMHERST TOWN NH
Property Address	23 UPHAM RD, AMHERST, NH 03031-1902
Transaction Type	Mortgage
Record Updated	Jan 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	09550-1480
Date	Nov 4, 2021
Book Page	9550/1480
Instrument	210074994

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Dec 1, 2046

Interest

Rate Type	Adjustable Rate

July 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	AMHERST TOWN NH
Recording Date	Jul 28, 2025
Property Address	23 UPHAM RD, AMHERST, NH 03031-1902
Document Number	09874-2230
Book / Page	9874 / 2230
Instrument Date	Jul 23, 2025
Instrument	2526081
Transaction Type	Transfer
Record Updated	Jan 21, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
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	21 UPHAM RD, AMHERST, NH 03031-1902

Mortgage

Document Number	0002526082
Date	Jul 28, 2025
Instrument	2526082

Lender

Name	BAR HARBOR BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2055

Tax Assessment & Valuation

The 2025 property tax bill for 23 Upham Rd was $11,028, up 4.6% from the year before.

Source: Hillsborough County and Amherst Town assessment roll, as of July 28, 2026

Property Jurisdictions

Type	Name
State	New Hampshire
County	Hillsborough County
County Subdivision	Amherst Town
Elementary School District	Amherst School District (KG - 08)
Secondary School District	Souhegan Cooperative School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$11,028.00 (+4.57%)	$459,900 (-) Land $165,600 Building $294,300
2024	$10,546.00 (+5.05%)	$459,900 (+0.24%) Land $165,600 Building $294,300	$481,745
2023	$10,039.00 (+3.56%)	$458,800 (-) Land $165,600 Building $293,200
2022	$9,694.00	$458,800 Land $165,600 Building $293,200

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

Flood

FEMA maps place 23 Upham Rd in Zone X, an area of minimal flood risk, though there have been 10 flood claims nearby since 1983.

Source: FEMA National Flood Hazard Layer, effective June 9, 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
Flood Insurance Cost	Premium on File median of 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	10 (1983–2007)
Claims Outside the SFHA	3 of 10
Most Recent Claim	Apr 2007 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Apr 2007 · 8 claims

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

Wildfire risk around 23 Upham Rd is low, with 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 80% of the US · above 52% of New Hampshire
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 23 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: Fidium Fiber.

Cell Coverage

4G LTE only, no 5G reported

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