34 Spruce St, Concord, NH 03301 Property Records

Merrimack County and Concord City property record for 34 Spruce St, Concord, NH 03301

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,166 sqft · built 1880
Lot Size	0.09 acres (3,920 sqft)
Owner	Individual Name on File
Last Sale	$199,000 (Aug 2017)
Tax Bill	$7,499 (2025)
Deeds & Mortgages	Aug 2017 Sale & Mortgage Feb 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`M:23 B:2 L:9`

Property Details

APN / Parcel Number

Primary APN	`M:23 B:2 L:9`
Alternative APN	`CNCD M:7912Z B:30`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,166 sqft Living Area
Gross Area	2,404 sqft
1st Floor Area	830 sqft
Basement Area	830 sqft
Unfinished Basement	830 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Metal
Lot Area	3,920 sqft (0.09 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Street Address	34 SPRUCE ST
City	CONCORD
State	NH
Zip	03301-3546
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD
Legal Block	30
Legal Lot Number	9
Jurisdiction	CONCORD CITY NH
Township / Civil Division	CONCORD
Census Block Group	2
Census Block	2045
Census Tract	32800

Owner

34 Spruce St is owned and occupied by an individual who bought it in August 2017.

Source: Merrimack County and Concord City records, as of April 30, 2026

Owner of Record	Individual Name on File
Mailing Address	34 SPRUCE ST, CONCORD, NH 03301-3546
Occupancy	Owner Occupied
Owner Type	Individual

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
Aug 7, 2017	Warranty Deed, Transfer · FHA Mortgage RESIDENTIAL MTG SVC
Feb 10, 2017	Deed of Trust, Mortgage · Line of Credit SANTANDER BK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 7, 2017 · Amount on File
Deed Sale	Aug 7, 2017 · Amount on File
Prior Sale	Nov 7, 1997 · Amount on File
Deed Book / Page	3565 / 1840
Record Updated	Jun 8, 2026

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CONCORD CITY NH
Recording Date	Aug 7, 2017
Property Address	34 SPRUCE ST, CONCORD, NH 03301-3546
Document Number	0035651840
Book / Page	003565 / 001840
Instrument Date	Aug 4, 2017
Instrument	14551
Transaction Type	Transfer
Record Updated	Sep 19, 2017

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,985.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	39 BURNS AVE #11 CONCORD NH 033016176, 11, CONCORD, NH 03301-6176

Mortgage

Document Number	35651842
Date	Aug 7, 2017
Book Page	003565/001842
Instrument	14552

Lender

Name	RESIDENTIAL MTG SVC
Type	Mortgage Company
Address	SOUTH PORTLAND, ME 04106

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 6, 2047

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD CITY NH
Property Address	34 SPRUCE ST, CONCORD, NH 03301-3546
Document Number	0035471341
Book / Page	003547 / 001341
Instrument Date	Feb 10, 2017
Transaction Type	Mortgage
Record Updated	Mar 7, 2017
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	34 SPRUCE ST CONCORD NH 033013546, CONCORD, NH 03301-3546

Mortgage

Document Number	0035471341
Date	Feb 21, 2017
Book Page	003547/001341
Instrument	2974

Lender

Name	SANTANDER BK NA
Type	Bank
Address	READING, PA 19602

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Feb 20, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 34 Spruce St was $7,499.

Source: Merrimack County and Concord City assessment roll, as of April 30, 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	$7,499.00	$257,600 Land $96,700 Building $160,900
2023	$6,919.00 (+3.75%)	$257,600 (-) Land $96,700 Building $160,900	$331,835
2022	$6,669.00	$257,600 Land $96,700 Building $160,900

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

Flood

FEMA maps place 34 Spruce St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2006.

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 Policies	6 in force
Nearby Flood Claims	4 (2006–2008)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Jul 2008 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, May 2006 · 3 claims

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 34 Spruce 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	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	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 97 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Breezeline, Fidium Fiber, Verizon.

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