32 Charles St, Franklin, NH 03235 Property Records

Merrimack County and Franklin City property record for 32 Charles St, Franklin, NH 03235

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 1,899 sqft · built 1977
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on Record
Last Sale	$320,000 (Apr 2023)
Tax Bill	$5,125 (2025)
Deeds & Mortgages	Jan 2023 Refinance Apr 2023 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`FRKN M:134 B:207 L`

Property Details

APN / Parcel Number

Primary APN	`FRKN M:134 B:207 L`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,899 sqft Living Area
Gross Area	2,953 sqft
1st Floor Area	1,701 sqft
Basement Area	936 sqft
Unfinished Basement	936 sqft

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,890 sqft (0.25 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	32 CHARLES ST
City	FRANKLIN
State	NH
Zip	03235-1358
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3W&S
Legal Block	207
Jurisdiction	FRANKLIN CITY NH
Township / Civil Division	FRANKLIN
Census Block Group	3
Census Block	3026
Census Tract	43002

Owner

Source: Merrimack County and Franklin City records, as of April 30, 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	32 CHARLES ST, FRANKLIN, NH 03235-1358
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 4, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance WILDFLOWER CSNG LLC
Apr 6, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage CMG MORTGAGE INC
Sep 12, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage SAPHIRE FINANCIAL LLC
Apr 20, 2022	Foreclosure
Nov 12, 2021	Quit Claim Deed, Transfer Quitclaim
Jul 27, 2018	Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MTG SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 6, 2023 · Amount on Record
Deed Sale	Apr 6, 2023 · Amount on Record
Prior Sale	Sep 12, 2022 · Amount on Record
Deed Document Number	20234278
Deed Book / Page	3822 / 1497
Prior Transfer Date	Mar 26, 2021
Prior Transfer Doc	0000029164
Record Updated	Jun 8, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN CITY NH
Property Address	32 CHARLES ST, FRANKLIN, NH 03235-1358
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000000144
Date	Jan 4, 2023
Book Page	3816/278
Instrument	202300000144

Lender

Name	WILDFLOWER CSNG LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN CITY NH
Recording Date	Apr 6, 2023
Property Address	32 CHARLES ST, FRANKLIN, NH 03235-1358
Document Number	0000004278
Book / Page	3822 / 1497
Instrument Date	Apr 5, 2023
Instrument	202300004278
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount Recorded
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	Tenants by the Entirety
Address	34 STEELE RD, BRADFORD, NH 03221-3314

Mortgage

Document Number	0000004279
Date	Apr 6, 2023
Instrument	202300004279

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN CITY NH
Recording Date	Sep 12, 2022
Property Address	32 CHARLES ST, FRANKLIN, NH 03235-1358
Document Number	0000017533
Book / Page	3805 / 492
Instrument Date	Sep 8, 2022
Instrument	202200017533
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount Recorded
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
Address	PO BOX 10262, BEDFORD, NH 03110-0262
Investor	Possibly a Property Investor

Mortgage

Document Number	0000017534
Date	Sep 12, 2022
Instrument	202200017534

Lender

Name	SAPHIRE FINANCIAL LLC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

April 2022: Foreclosure

Document Type	Foreclosure
Jurisdiction	FRANKLIN CITY NH
Recording Date	Apr 20, 2022
Property Address	32 CHARLES ST, FRANKLIN, NH 03235-1358
Document Number	0000007766
Book / Page	3789 / 659
Instrument Date	Apr 14, 2022
Instrument	202200007766
Transaction Type	Foreclosure
Record Updated	May 4, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1600 S DOUGLASS RD # STE20, STE20, ANAHEIM, CA 92806-5948

November 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRANKLIN CITY NH
Recording Date	Nov 12, 2021
Property Address	32 CHARLES ST, FRANKLIN, NH 03235-1358
Document Number	202100029164
Book / Page	3768 / 1820
Instrument Date	Mar 26, 2021
Instrument	202100029164
Transaction Type	Transfer
Record Updated	Nov 24, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32 CHARLES ST, FRANKLIN, NH 03235-1358

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN CITY NH
Property Address	32 CHARLES ST, FRANKLIN, NH 03235-1358
Document Number	0036032660
Instrument Date	Jul 27, 2018
Transaction Type	Mortgage
Record Updated	Jan 15, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	32 CHARLES ST FRANKLIN NH 032351358, FRANKLIN, NH 03235-1358

Mortgage

Document Number	0036032660
Date	Aug 7, 2018
Book Page	003603/002660
Instrument	14008

Lender

Name	CARRINGTON MTG SVCS
Address	ANAHEIM, CA 92806

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 6, 2048

Tax Assessment & Valuation

Source: Merrimack County and Franklin City assessment roll, as of April 30, 2026

Property Jurisdictions

Type	Name
State	New Hampshire
County	Merrimack County
Municipality	Franklin City
Unified School District	Franklin School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,125.00 (+2.79%)	$290,700 (-) Land $72,800 Building $217,900
2024	$4,986.00 (+18.29%)	$290,700 (+68.23%) Land $72,800 Building $217,900
2023			$345,895
2022	$4,215.00	$172,800 Land $59,300 Building $113,500

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 · 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
Nearby Flood Claims	2 (2014)
Claims Outside the SFHA	2 of 2
Most Recent Claim	May 2014 · other causes

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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	FRANKLIN WATER WORKS serves 7,200 people · EPA ID NH0851010
Water Source	Groundwater
Last State Inspection	May 2025
Lead	3 ppb (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	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 307 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Fiber	2,000 / 2,000
Breezeline Fiber · Cable in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Fidium Fiber.

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