38 Centennial Rd, Gilsum, NH 03448 Property Records

Cheshire County and Gilsum Town property record for 38 Centennial Rd, Gilsum, NH 03448

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 439 sqft · built 2010
Lot Size	2.08 acres (90,605 sqft)
Owner	2 Individual Names on Record
Last Sale	$125,000 (Aug 2018)
Tax Bill	$6,347 (2025)
Deeds & Mortgages	May 2021 Refinance Jul 2021 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`GILS M:00407 B:000016 L:000000`

Property Details

APN / Parcel Number

Primary APN	`GILS M:00407 B:000016 L:000000`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Building Area	439 sqft Living Area

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Architectural Style	Rustic
Roof Material	Asphalt
Lot Area	90,605 sqft (2.08 acres)
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Space Heater
Heating Fuel	Wood

Location & Zoning

Street Address	38 CENTENNIAL RD
City	GILSUM
State	NH
Zip	03448-7526
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RURAL
Legal Block	16
Jurisdiction	GILSUM TOWN NH
Township / Civil Division	GILSUM
Census Block Group	1
Census Block	1016
Census Tract	970100

Owner

Source: Cheshire County and Gilsum 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 Individual Names on Record
Mailing Address	38 CENTENNIAL RD, GILSUM, NH 03448-7526
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 3, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance SAVINGS BANK OF WALPOLE
Jul 6, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance SAVINGS BANK OF WALPOLE
May 3, 2021	Quit Claim Deed, Transfer Quitclaim
Feb 5, 2020	Deed of Trust, Mortgage · Conventional with PMI SAVINGS BK WALPOLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 6, 2018 · Amount on Record
Deed Sale	Aug 6, 2018 · Amount on Record
Deed Document Number	20186316
Deed Book / Page	3035 / 765
Last Transfer Date	Apr 26, 2021
Transfer Doc	0000000760
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GILSUM TOWN NH
Property Address	38 CENTENNIAL RD, GILSUM, NH 03448-7526
Transaction Type	Mortgage
Record Updated	Sep 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03161-1000
Date	May 3, 2021
Book Page	3161/1000
Instrument	2104761

Lender

Name	SAVINGS BANK OF WALPOLE
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GILSUM TOWN NH
Property Address	38 CENTENNIAL RD, GILSUM, NH 03448-7526
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03170-1013
Date	Jul 6, 2021
Book Page	3170/1013
Instrument	2107241

Lender

Name	SAVINGS BANK OF WALPOLE
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	121 Months
Due	Aug 1, 2031

May 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GILSUM TOWN NH
Recording Date	May 3, 2021
Property Address	38 CENTENNIAL RD, GILSUM, NH 03448-7526
Document Number	3161-998
Book / Page	3161 / 998
Instrument Date	Apr 26, 2021
Instrument	2104760
Transaction Type	Transfer
Record Updated	May 19, 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
Relationship	Tenants by the Entirety
Address	38 CENTENNIAL RD, GILSUM, NH 03448-7526

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GILSUM TOWN NH
Property Address	38 CENTENNIAL RD, GILSUM, NH 03448-7526
Document Number	0030990182
Instrument Date	Feb 5, 2020
Transaction Type	Mortgage
Record Updated	Mar 3, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 CENTENNIAL RD GILSUM NH 034487526, GILSUM, NH 03448-7526

Mortgage

Document Number	0030990182
Date	Feb 10, 2020
Book Page	003099/000182
Instrument	1088

Lender

Name	SAVINGS BK WALPOLE
Type	Federal Savings Bank
Address	WALPOLE, NH 03608

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Feb 9, 2050

Interest

Rate Type	Adjustable Rate
Rate	4.87%

Tax Assessment & Valuation

Source: Cheshire County and Gilsum Town assessment roll, as of July 28, 2026

Property Jurisdictions

Type	Name
State	New Hampshire
County	Cheshire County
County Subdivision	Gilsum Town
Unified School District	Monadnock Regional School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$6,347.00 (+17.62%)	$393,500 (+89.82%) Land $73,300 Building $320,200
2023	$5,396.00 (+10.44%)	$207,300 (-) Land $36,500 Building $170,800
2022	$4,886.00	$207,300 Land $36,500 Building $170,800

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

Source: FEMA National Flood Hazard Layer, effective September 28, 2018 · 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	9 in force
Nearby Flood Claims	7 (1979–2013)
Most Recent Claim	Jul 2013 · Severe Storms, Tornadoes, And Flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, Jul 2013 · 2 claims Severe Storms And Flooding, Oct 2005 · 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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Fidium Fiber Fiber	2,000 / 2,000
Starlink Satellite	280 / 30

May also be available: Xfinity.

Cell Coverage

5G (outdoors only) and 4G LTE

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