3 Lawrence St, Concord, NH 03301 Property Records

Merrimack County and Concord City property record for 3 Lawrence St, Concord, NH 03301

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,620 sqft · built 1989
Lot Size	0.87 acres (37,897 sqft)
Owner	2 Trust Names on File
Last Sale	$241,933 (Feb 2017)
Tax Bill	$11,225 (2025)
Deeds & Mortgages	Dec 2021 Refinance Jul 2022 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`CNCD M:634Z B:33`

Property Details

APN / Parcel Number

Primary APN	`CNCD M:634Z B:33`
Alternative APN	`M:115 B:1 L:15`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,620 sqft Living Area
Gross Area	4,443 sqft
1st Floor Area	1,620 sqft
Basement Area	1,620 sqft
Unfinished Basement	456 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	37,897 sqft (0.87 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	3 LAWRENCE ST
City	CONCORD
State	NH
Zip	03301
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM
Legal Block	33
Legal Lot Number	15
Jurisdiction	CONCORD CITY NH
Township / Civil Division	CONCORD
Census Block Group	3
Census Block	3012
Census Tract	44100

Owner

3 Lawrence St is owner-occupied and held in a trust since February 2020.

Source: Merrimack County and Concord City records, as of August 28, 2026

Owner of Record	2 Trust Names on File
Mailing Address	3 LAWRENCE ST, CONCORD, NH 03301
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
Dec 21, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NEW HAMPSHIRE FCU
Jul 5, 2022	Deed of Trust, Mortgage · Line of Credit NEW HAMPSHIRE FCU
Jun 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage CMG FIN'L
Jul 27, 2020	Warranty Deed, Transfer NOT AVAILABLE
Aug 10, 2018	Deed of Trust, Mortgage · Conventional with PMI LENDUS LLC
Feb 14, 2017	Warranty Deed, Transfer · FHA Mortgage REGENCY MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 14, 2017 · Amount on File
Deed Sale	Feb 14, 2017 · Amount on File
Prior Sale	Jun 22, 2011 · Amount on File
Deed Document Number	20172709
Deed Book / Page	3547 / 117
Last Transfer Date	Feb 21, 2020
Transfer Doc	0000015350
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD CITY NH
Property Address	3 LAWRENCE ST, CONCORD, NH 03301-5314
Transaction Type	Mortgage
Record Updated	Apr 10, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000032528
Date	Dec 21, 2021
Book Page	3774/2263
Instrument	202100032528

Lender

Name	NEW HAMPSHIRE FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	193 Months
Due	Jan 1, 2038

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD CITY NH
Property Address	3 LAWRENCE ST, CONCORD, NH 03301-5314
Transaction Type	Mortgage
Record Updated	Apr 10, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000013056
Date	Jul 5, 2022
Book Page	3798/72
Instrument	202200013056

Lender

Name	NEW HAMPSHIRE FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Aug 1, 2042

Interest

Rate Type	Adjustable Rate

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD CITY NH
Property Address	3 LAWRENCE STREET EXT, CONCORD, NH 03301-5320
Document Number	0036811269
Instrument Date	Jun 10, 2020
Transaction Type	Mortgage
Record Updated	Jul 24, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3 LAWRENCE STREET EXT CONCORD NH 033015320, CONCORD, NH 03301-5320

Mortgage

Document Number	0036811269
Date	Jun 16, 2020
Book Page	003681/001269
Instrument	11605

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 15, 2050

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CONCORD CITY NH
Recording Date	Jul 27, 2020
Property Address	3 LAWRENCE STREET EXT, CONCORD, NH 03301-5320
Document Number	0036880471
Book / Page	003688 / 000471
Instrument Date	Feb 21, 2020
Instrument	15350
Transaction Type	Transfer
Record Updated	Aug 31, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$40.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	3 LAWRENCE ST

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD CITY NH
Property Address	3 LAWRENCE STREET EXT, CONCORD, NH 03301-5320
Document Number	0036041802
Instrument Date	Aug 10, 2018
Transaction Type	Mortgage
Record Updated	Aug 27, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3 LAWRENCE STREET EXT CONCORD NH 033015320, CONCORD, NH 03301-5320

Mortgage

Document Number	0036041802
Date	Aug 15, 2018
Book Page	003604/001802
Instrument	14519

Lender

Name	LENDUS LLC
Address	ALAMO, CA 94507

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	180 Months
Due	Aug 14, 2033

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CONCORD CITY NH
Recording Date	Feb 14, 2017
Property Address	3 LAWRENCE STREET EXT, CONCORD, NH 03301-5320
Document Number	0035470117
Book / Page	003547 / 000117
Instrument Date	Feb 14, 2017
Instrument	2709
Transaction Type	Transfer
Record Updated	Feb 28, 2017

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,629.00
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	10 BLUFFS DR PENACOOK NH 033031586, PENACOOK, NH 03303-1586

Mortgage

Document Number	35470120
Date	Feb 14, 2017
Book Page	003547/000120
Instrument	2710

Lender

Name	REGENCY MTG
Type	Mortgage Company
Address	HOOKSETT, NH 03106

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 13, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 3 Lawrence St was $11,225.

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	$11,225.00	$385,600 Land $114,200 Building $271,400
2023	$10,357.00 (+3.75%)	$385,600 (-) Land $114,200 Building $271,400	$455,430
2022	$9,983.00	$385,600 Land $114,200 Building $271,400

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

Flood

FEMA maps place 3 Lawrence St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (2001–2006)
Claims Outside the SFHA	1 of 2
Most Recent Claim	May 2006 · Severe Storms And Flooding

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 3 Lawrence St 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	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 276 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

Cell Coverage

5G (outdoors only) and 4G LTE

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