Merrimack County and Epsom Town property record for 320 River Rd, Epsom, NH 03234
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,322 sqft · built 2001 |
| Lot Size | 2.74 acres (119,703 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $451,000 (Jun 2022) |
| Tax Bill | $8,786 (2025) |
| Deeds & Mortgages | Apr 2025 Mortgage Jun 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | EPSO M:00U17 L:000002 S:000003 |
| Primary APN | EPSO M:00U17 L:000002 S:000003 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,322 sqft Living Area |
| Gross Area | 4,168 sqft |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 119,703 sqft (2.74 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Street Address | 320 RIVER RD |
|---|---|
| City | EPSOM |
| State | NH |
| Zip | 03234-4223 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RES/AG |
| Legal Lot Number | 2 |
| Jurisdiction | EPSOM TOWN NH |
| Township / Civil Division | EPSOM |
| Census Block Group | 3 |
| Census Block | 3018 |
| Census Tract | 34000 |
320 River Rd is owned and occupied by two individuals who bought it in June 2022.
Source: Merrimack County and Epsom Town records, as of April 30, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 320 RIVER RD, EPSOM, NH 03234-4223 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 21, 2025 | Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK |
| Jun 13, 2022 | Warranty Deed, Transfer · Stand-Alone First Mortgage LUMINATE HOME LOANS |
| Apr 11, 2022 | Deed of Trust, Mortgage · Line of Credit MERRIMACK COUNTY SAVINGS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 13, 2022 · Amount on File |
| Deed Sale | Jun 13, 2022 · Amount on File |
| Deed Document Number | 202211453 |
| Deed Book / Page | 3795 / 799 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EPSOM TOWN NH |
| Property Address | 320 RIVER RD, EPSOM, NH 03234-4223 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000005422 |
|---|---|
| Date | Apr 21, 2025 |
| Book Page | 3887/957 |
| Instrument | 202500005422 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | May 1, 2040 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EPSOM TOWN NH |
| Recording Date | Jun 13, 2022 |
| Property Address | 320 RIVER RD, EPSOM, NH 03234-4223 |
| Document Number | 0000011453 |
| Book / Page | 3795 / 799 |
| Instrument Date | Jun 10, 2022 |
| Instrument | 202200011453 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 77 ELMHURST AVE # 1, 1, MANCHESTER, NH 03103-6525 |
| Document Number | 0000011454 |
|---|---|
| Date | Jun 13, 2022 |
| Instrument | 202200011454 |
| Name | LUMINATE HOME LOANS |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EPSOM TOWN NH |
| Property Address | 320 RIVER RD, EPSOM, NH 03234-4223 |
| Transaction Type | Mortgage |
| Record Updated | Apr 27, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000007101 |
|---|---|
| Date | Apr 11, 2022 |
| Book Page | 3788/275 |
| Instrument | 202200007101 |
| Name | MERRIMACK COUNTY SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | May 1, 2037 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 320 River Rd was $8,786, up 22.4% from the year before.
Source: Merrimack County and Epsom Town assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | New Hampshire |
| County | Merrimack County |
| County Subdivision | Epsom Town |
| Elementary School District | Epsom School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,786.00 (+22.38%) | $500,900 (+85.86%) Land $179,000 Building $321,900 | |
| 2024 | $7,179.00 | $269,500 Land $96,700 Building $172,800 | |
| 2023 | $548,340 | ||
| 2022 | $6,425.00 | $269,500 Land $96,700 Building $172,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 320 River Rd 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 AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 13 (1996–2010) |
| Claims Outside the SFHA | 6 of 13 |
| Most Recent Claim | Mar 2010 · rainfall accumulation |
| Claims by Event |
|
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 risk around 320 River Rd is low, with less than 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 93% of the US · lower than 95% of New Hampshire |
|---|---|
| Wildfire Likelihood | Under 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.
Source: FCC Broadband Data Collection, based on 37 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Fidium Fiber Fiber | 2,000 / 2,000 |
| Xfinity Cable | 2,000 / 2,000 |
| Breezeline Cable | 1,000 / 50 |
| T-Mobile Fixed Wireless | 100 / 20 |
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