321 Central St, Franklin, NH 03235 Property Records

Merrimack County and Franklin City property record for 321 Central St, Franklin, NH 03235

Property Summary

Property Type	Commercial Building, Warehouse, Showroom
Details	3 bd · 5 ba · 3,403 sqft · built 1920
Lot Size	0.045 acres (1,960 sqft)
Owner	Company Name on Record
Last Sale	$535,000 (Jul 2020)
Tax Bill	$4,339 (2025)
Deeds & Mortgages	Jul 2020 Sale & Construction Loan Jun 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`FRKN M:117 B:002 L`

Property Details

APN / Parcel Number

Primary APN	`FRKN M:117 B:002 L`

Interior

Bedrooms	3 Beds
Full Baths	5 Baths
Units	18 Units
Stories	2 Stories
Building Area	3,403 sqft Total Area
Gross Area	4,291 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Flat
Roof Material	Other
Lot Area	1,960 sqft (0.045 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Radiant
Heating Fuel	Electric

Location & Zoning

Street Address	321 CENTRAL ST
City	FRANKLIN
State	NH
Zip	03235-2065
Property Category	Commercial
Property Type	Commercial > Retail > Commercial Building, Warehouse, Showroom
Local Zoning Code	B2
Legal Block	2
Jurisdiction	FRANKLIN CITY NH
Township / Civil Division	FRANKLIN
Census Block Group	2
Census Block	2001
Census Tract	43001

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Franklin Falls Historic District listed 1982 · 92 contributing resources · NRIS 82001691

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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	Company Name on Record
Mailing Address	2 HILLVIEW DR, GROVELAND, MA 01834-1059
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jul 23, 2020	Warranty Deed, Construction Loan · Construction Mortgage FRANKLIN SVGS BK
Jun 13, 2017	Deed of Trust, Mortgage FRANKLIN SVGS BK
Mar 30, 2017	Deed of Trust, Mortgage HOUSING FIN AUTH
Mar 23, 2017	Deed of Trust, Mortgage FRANKLIN BUSN & IND'L DEV CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 23, 2020 · Amount on Record
Deed Sale	Jul 23, 2020 · Amount on Record
Prior Sale	Jan 21, 2016 · Amount on Record
Deed Document Number	202015002
Deed Book / Page	3687 / 1525
Record Updated	Jun 8, 2026

July 2020: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	FRANKLIN CITY NH
Recording Date	Jul 23, 2020
Property Address	321 CENTRAL ST, FRANKLIN, NH 03235-2065
Document Number	0036871525
Book / Page	003687 / 001525
Instrument Date	Jul 23, 2020
Instrument	15002
Transaction Type	Construction Loan
Record Updated	Aug 24, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,025.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2 HILLVIEW DR GROVELAND MA 018341059, GROVELAND, MA 01834-1059

Mortgage

Document Number	36871528
Date	Jul 23, 2020
Book Page	003687/001528
Instrument	15003

Lender

Name	FRANKLIN SVGS BK
Type	Federal Savings Bank
Address	FRANKLIN, NH 03235

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jul 22, 2040

Interest

Rate Type	Adjustable Rate

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN CITY NH
Property Address	321 CENTRAL ST, FRANKLIN, NH 03235-2065
Document Number	0035590415
Book / Page	003559 / 000415
Instrument Date	Jun 13, 2017
Transaction Type	Mortgage
Record Updated	Jun 27, 2017
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	361 CENTRAL ST FRANKLIN NH 032351784, FRANKLIN, NH 03235-1784

Mortgage

Document Number	0035590415
Date	Jun 14, 2017
Book Page	003559/000415
Instrument	10483

Lender

Name	FRANKLIN SVGS BK
Type	Federal Savings Bank
Address	FRANKLIN, NH 03235

Agreement

Amount	Amount Recorded

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN CITY NH
Property Address	321 CENTRAL ST, FRANKLIN, NH 03235-2065
Document Number	0035521067
Instrument Date	Mar 30, 2017
Transaction Type	Mortgage
Record Updated	May 4, 2017
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	361 CENTRAL ST FRANKLIN NH 032351784, FRANKLIN, NH 03235-1784

Mortgage

Document Number	0035521067
Date	Apr 14, 2017
Book Page	003552/001067
Instrument	6157

Lender

Name	HOUSING FIN AUTH
Address	CONCORD, NH 03301

Agreement

Amount	Amount Recorded

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN CITY NH
Property Address	321 CENTRAL ST, FRANKLIN, NH 03235-2065
Document Number	0035500279
Instrument Date	Mar 23, 2017
Transaction Type	Mortgage
Record Updated	Jan 9, 2019
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	361 CENTRAL ST FRANKLIN NH 032351784, FRANKLIN, NH 03235-1784

Mortgage

Document Number	0035500279
Date	Mar 24, 2017
Book Page	003550/000279
Instrument	4733

Lender

Name	FRANKLIN BUSN & IND'L DEV CORP
Address	PO BOX 174, FRANKLIN, NH 03235-0174

Agreement

Amount	Amount Recorded

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
2025	$4,339.00 (-1.54%)	$246,100 (+36.19%) Land $54,500 Building $191,600
2022	$4,407.00	$180,700 Land $36,900 Building $143,800

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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	Indirect within 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	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 341 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

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

Cell Coverage

5G (outdoors only) and 4G LTE

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