28 White St, Concord, NH 03301 Property Records

Merrimack County and Concord City property record for 28 White St, Concord, NH 03301

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,253 sqft · built 1910
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on Record
Last Sale	$245,000 (Oct 2018)
Tax Bill	$12,602 (2025)
Deeds & Mortgages	Jan 2024 Line of Credit Sep 2020 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`CNCD M:6532Z B:57`

Property Details

APN / Parcel Number

Primary APN	`CNCD M:6532Z B:57`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,253 sqft Living Area
Gross Area	2,172 sqft
1st Floor Area	805 sqft
Basement Area	685 sqft
Unfinished Basement	685 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Bungalow
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,098 sqft (0.14 acres)
Deck Area	Deck Area
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	28 WHITE ST
City	CONCORD
State	NH
Zip	03301-4176
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RN
Legal Block	57
Legal Lot Number	26
Jurisdiction	CONCORD CITY NH
Township / Civil Division	CONCORD
Census Block Group	2
Census Block	2011
Census Tract	32400

Owner

Source: Merrimack County and Concord City 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	28 WHITE ST, CONCORD, NH 03301-4176
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 31, 2024	Deed of Trust, Mortgage · Line of Credit MERRIMACK COUNTY SAVINGS BANK
Sep 8, 2020	Deed of Trust, Mortgage · Line of Credit MERRIMACK CNTY SVGS BK
Dec 21, 2018	Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA
Oct 29, 2018	Warranty Deed, Transfer
Jul 31, 2017	Deed of Trust, Mortgage · Conventional with PMI WELLS FARGO BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 29, 2018 · Amount on Record
Deed Sale	Oct 29, 2018 · Amount on Record
Prior Sale	Jul 29, 2008 · Amount on Record
Deed Document Number	201819599
Deed Book / Page	3612 / 2901
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD CITY NH
Property Address	28 WHITE ST, CONCORD, NH 03301-4176
Transaction Type	Mortgage
Record Updated	Feb 14, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001373
Date	Jan 31, 2024
Book Page	3848/1151
Instrument	202400001373

Lender

Name	MERRIMACK COUNTY SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2054

Interest

Rate Type	Adjustable Rate

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD CITY NH
Property Address	28 WHITE ST, CONCORD, NH 03301-4176
Document Number	0036960447
Instrument Date	Sep 8, 2020
Transaction Type	Mortgage
Record Updated	Oct 8, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	28 WHITE ST CONCORD NH 033014176, CONCORD, NH 03301-4176

Mortgage

Document Number	0036960447
Date	Sep 14, 2020
Book Page	003696/000447
Instrument	19701

Lender

Name	MERRIMACK CNTY SVGS BK
Type	Federal Savings Bank
Address	CONCORD, NH 03301

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Sep 13, 2035

Interest

Rate Type	Adjustable Rate

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CONCORD CITY NH
Recording Date	Dec 21, 2018
Property Address	28 WHITE ST, CONCORD, NH 03301-4176
Document Number	0036181983
Book / Page	003618 / 001983
Instrument Date	Dec 21, 2018
Instrument	23130
Transaction Type	Transfer
Record Updated	Jan 4, 2019

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,375.00
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	162 WATSON RD POLAND ME 042745934, POLAND, ME 04274-5934

Mortgage

Document Number	36181985
Date	Dec 21, 2018
Book Page	003618/001985
Instrument	23131

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 20, 2048

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CONCORD CITY NH
Recording Date	Oct 29, 2018
Property Address	28 WHITE ST, CONCORD, NH 03301-4176
Document Number	0036122901
Book / Page	003612 / 002901
Instrument Date	Oct 29, 2018
Instrument	19599
Transaction Type	Transfer
Record Updated	Nov 15, 2018

Transaction

Amount	Amount Recorded
Tax	$3,675.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	28 WHITE ST CONCORD NH 033014176, CONCORD, NH 03301-4176

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD CITY NH
Property Address	28 WHITE ST, CONCORD, NH 03301-4176
Document Number	0035660179
Instrument Date	Jul 31, 2017
Transaction Type	Mortgage
Record Updated	Aug 24, 2018
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	28 WHITE ST CONCORD NH 033014176, CONCORD, NH 03301-4176

Mortgage

Document Number	0035660179
Date	Aug 10, 2017
Book Page	003566/000179
Instrument	14821

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	180 Months
Due	Aug 9, 2032

Tax Assessment & Valuation

Source: Merrimack County and Concord City assessment roll, as of July 28, 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	$12,602.00 (+67.2%)	$432,900 (+54.28%) Land $132,700 Building $300,200
2023	$7,537.00 (+3.53%)	$280,600 (-0.21%) Land $132,700 Building $147,900	$462,365
2022	$7,280.00	$281,200 Land $132,700 Building $148,500

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 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

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Breezeline, Fidium Fiber, T-Mobile.

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