38 N Spring St, Concord, NH 03301 Property Records

Merrimack County and Concord City property record for 38 N Spring St, Concord, NH 03301

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,441 sqft · built 1900
Lot Size	0.14 acres (6,098 sqft)
Owner	Individual Name on Record
Last Sale	$135,000 (May 2004)
Tax Bill	$9,143 (2025)
Deeds & Mortgages	May 2022 Mortgage May 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`CNCD M:7411Z B:71`

Property Details

APN / Parcel Number

Primary APN	`CNCD M:7411Z B:71`
Alternative APN	`000294567`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,441 sqft Living Area
Gross Area	4,780 sqft
1st Floor Area	1,335 sqft
Attic	Attic
Attic Area	638 sqft
Basement Area	1,335 sqft
Unfinished Basement	1,335 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,098 sqft (0.14 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	38 N SPRING ST
City	CONCORD
State	NH
Zip	03301-3902
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD
Legal Block	71
Legal Lot Number	13
Jurisdiction	CONCORD CITY NH
Township / Civil Division	CONCORD
Census Block Group	3
Census Block	3000
Census Tract	32800

Owner

Source: Merrimack County and Concord City 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	Individual Name on Record
Mailing Address	38 N SPRING ST, CONCORD, NH 03301-3902
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 2, 2022	Deed of Trust, Mortgage · ARM MERRIMACK COUNTY SAVINGS BANK
May 2, 2022	Deed of Trust, Mortgage · Line of Credit MERRIMACK COUNTY SAVINGS BANK
Mar 4, 2022	Quit Claim Deed, Transfer Quitclaim
Jan 14, 2020	Deed of Trust, Mortgage · Line of Credit NORTHEAST CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 25, 2004 · Amount on Record
Deed Sale	May 25, 2004 · Amount on Record
Deed Book / Page	2660 / 135
Last Transfer Date	Mar 1, 2022
Transfer Doc	0000004442
Record Updated	Sep 20, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD CITY NH
Property Address	38 N SPRING ST, CONCORD, NH 03301-3902
Transaction Type	Mortgage
Record Updated	Feb 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008505
Date	May 2, 2022
Book Page	3790/1455
Instrument	202200008505

Lender

Name	MERRIMACK COUNTY SAVINGS BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.99%
Type Change Date	Jun 1, 2029
Index	Other

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD CITY NH
Property Address	38 N SPRING ST, CONCORD, NH 03301-3902
Transaction Type	Mortgage
Record Updated	Feb 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008506
Date	May 2, 2022
Book Page	3790/1470
Instrument	202200008506

Lender

Name	MERRIMACK COUNTY SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2037

Interest

Rate Type	Adjustable Rate

March 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CONCORD CITY NH
Recording Date	Mar 4, 2022
Property Address	38 N SPRING ST, CONCORD, NH 03301-3902
Document Number	0000004442
Book / Page	3783 / 2313
Instrument Date	Mar 1, 2022
Instrument	202200004442
Transaction Type	Transfer
Record Updated	Feb 28, 2023

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	38 N SPRING ST, CONCORD, NH 03301-3902

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD CITY NH
Property Address	38 N SPRING ST, CONCORD, NH 03301-3902
Document Number	0036632924
Instrument Date	Jan 14, 2020
Transaction Type	Mortgage
Record Updated	Feb 20, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	38 N SPRING ST CONCORD NH 033013902, CONCORD, NH 03301-3902

Mortgage

Document Number	0036632924
Date	Jan 29, 2020
Book Page	003663/002924
Instrument	1933

Lender

Name	NORTHEAST CU
Type	Credit Union
Address	PORTSMOUTH, NH 03801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jan 28, 2045

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Merrimack County and Concord City assessment roll, as of July 28, 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	$9,143.00 (+10.16%)	$314,100 (+1.65%) Land $90,300 Building $223,800
2023	$8,300.00 (+3.75%)	$309,000 (-) Land $90,300 Building $218,700	$452,865
2022	$8,000.00	$309,000 Land $90,300 Building $218,700

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	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 159 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Breezeline Fiber · Cable in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Fidium Fiber.

Cell Coverage

5G (outdoors only) and 4G LTE

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