3 Smith St, Milford, NH 03055 Property Records

Hillsborough County and Milford Town property record for 3 Smith St, Milford, NH 03055

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,246 sqft · built 1880
Lot Size	0.4 acres (17,424 sqft)
Owner	2 Trust Names on Record
Last Sale	$207,533 (Jul 2018)
Tax Bill	$9,794 (2025)
Deeds & Mortgages	Nov 2021 Line of Credit Jul 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`MFRD M:29 B:127`

Property Details

APN / Parcel Number

Primary APN	`MFRD M:29 B:127`
Alternative APNs	`M:29 B:0127 L` `001967` `1967`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,246 sqft Living Area
Gross Area	5,177 sqft
1st Floor Area	1,856 sqft
Basement Area	1,099 sqft
Unfinished Basement	1,099 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	17,424 sqft (0.4 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Account Number	1967
Street Address	3 SMITH ST
City	MILFORD
State	NH
Zip	03055-4427
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Block	127
Jurisdiction	MILFORD TOWN NH
Township / Civil Division	MILFORD
Census Block Group	3
Census Block	3008
Census Tract	16204

Owner

Source: Hillsborough County and Milford 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 Trust Names on Record
Mailing Address	3 SMITH ST, MILFORD, NH 03055-4427
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2021	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Jul 31, 2018	Warranty Deed, Transfer · Conventional Mortgage LENDUS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2018 · Amount on Record
Deed Sale	Jul 31, 2018 · Amount on Record
Prior Sale	Jan 24, 2006 · Amount on Record
Deed Document Number	20188033218
Deed Book / Page	9096 / 184
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILFORD TOWN NH
Property Address	3 SMITH ST, MILFORD, NH 03055-4427
Transaction Type	Mortgage
Record Updated	Dec 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	9555-1992
Date	Nov 17, 2021
Book Page	9555/1992
Instrument	210077886

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MILFORD TOWN NH
Recording Date	Jul 31, 2018
Property Address	3 SMITH ST, MILFORD, NH 03055-4427
Document Number	0090960184
Book / Page	009096 / 000184
Instrument Date	Jul 25, 2018
Instrument	8033218
Transaction Type	Transfer
Record Updated	Aug 9, 2018

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,113.00
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	31 CYPRESS LN #12 NASHUA NH 030632318, 12, NASHUA, NH 03063-2318

Mortgage

Document Number	90960187
Date	Jul 31, 2018
Book Page	009096/000187
Instrument	8033219

Lender

Name	LENDUS LLC
Address	ALAMO, CA 94507

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 30, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	New Hampshire
County	Hillsborough County
County Subdivision	Milford Town
Unified School District	Milford School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,794.00 (+9.55%)	$377,700 (-) Land $85,000 Building $292,700
2024	$8,940.00 (+9.76%)	$377,700 (+2.8%) Land $85,000 Building $292,700	$436,810
2023	$8,145.00 (+6.64%)	$367,400 (-) Land $85,000 Building $282,400
2022	$7,638.00	$367,400 Land $85,000 Building $282,400

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 June 9, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 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	Direct burnable vegetation

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	MILFORD WATER UTILITIES DEPT serves 9,500 people · EPA ID NH1561010
Water Source	Purchased surface water from PENNICHUCK WATER WORKS
Last State Inspection	May 2023
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 341 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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