38 Pine Acres Rd, Concord, NH 03301 Property Records

Merrimack County and Concord City property record for 38 Pine Acres Rd, Concord, NH 03301

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 852 sqft · built 1980
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on Record
Last Sale	$232,000 (Jul 2005)
Tax Bill	$7,321 (2025)
Deeds & Mortgages	May 2026 Mortgage Aug 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`M:602-Z B:131`

Property Details

APN / Parcel Number

Primary APN	`M:602-Z B:131`
Alternative APN	`CNCD M:602Z B:131`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	852 sqft Living Area
Gross Area	1,800 sqft
1st Floor Area	852 sqft
Basement Area	792 sqft
Unfinished Basement	260 sqft

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,583 sqft (0.22 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	38 PINE ACRES RD
City	CONCORD
State	NH
Zip	03301-7888
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Block	131
Jurisdiction	CONCORD CITY NH
Township / Civil Division	CONCORD
Census Block Group	2
Census Block	2008
Census Tract	32900

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	2 Individual Names on Record
Mailing Address	38 PINE ACRES RD, CONCORD, NH 03301-7888
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 19, 2026	Deed of Trust, Mortgage · ARM EASY MORTGAGE
Aug 6, 2021	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Apr 25, 2020	Deed of Trust, Mortgage · FHA Mortgage RELIANCE FIRST CAP
Aug 8, 2019	Quit Claim Deed, Mortgage · FHA Mortgage RELIANCE FIRST CAP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 19, 2005 · Amount on Record
Deed Sale	Jul 19, 2005 · Amount on Record
Prior Sale	Jul 19, 2005 · Amount on Record
Deed Book / Page	2800 / 603
Last Transfer Date	Jul 22, 2019
Transfer Doc	0000013846
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD CITY NH
Recording Date	May 19, 2026
Property Address	38 PINE ACRES RD, CONCORD, NH 03301-7888
Document Number	0000007825
Book / Page	3930 / 364
Instrument Date	May 14, 2026
Instrument	20267825
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 PINE ACRES RD, CONCORD, NH 03301-7888

Mortgage

Document Number	0000007825,
Date	May 19, 2026
Book Page	3930/364
Instrument	20267825

Lender

Name	EASY MORTGAGE

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Initial Type	Adjustable Rate
Type Change Date	Oct 1, 2029
Index	Other
Margin	2
Max Rate	-1%

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD CITY NH
Property Address	38 PINE ACRES RD, CONCORD, NH 03301-7888
Transaction Type	Mortgage
Record Updated	Aug 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100020224
Date	Aug 6, 2021
Book Page	3752/986
Instrument	202100020224

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Sep 1, 2046

Interest

Rate Type	Adjustable Rate

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD CITY NH
Property Address	38 PINE ACRES RD, CONCORD, NH 03301-7888
Document Number	0036742567
Instrument Date	Apr 25, 2020
Transaction Type	Mortgage
Record Updated	Jun 23, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 PINE ACRES RD CONCORD NH 033017888, CONCORD, NH 03301-7888

Mortgage

Document Number	0036742567
Date	May 1, 2020
Book Page	003674/002567
Instrument	8032

Lender

Name	RELIANCE FIRST CAP
Type	Funding / Finance Company
Address	MELVILLE, NY 11747

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 30, 2050

August 2019: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	CONCORD CITY NH
Recording Date	Aug 8, 2019
Property Address	38 PINE ACRES RD, CONCORD, NH 03301-7888
Document Number	0036411676
Book / Page	003641 / 001676
Instrument Date	Jul 22, 2019
Instrument	13846
Transaction Type	Mortgage
Record Updated	Aug 21, 2019
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 PINE ACRES RD CONCORD NH 033017888, CONCORD, NH 03301-7888

Mortgage

Document Number	36411679
Date	Aug 8, 2019
Book Page	003641/001679
Instrument	13847

Lender

Name	RELIANCE FIRST CAP
Type	Funding / Finance Company
Address	MELVILLE, NY 11747

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 7, 2049

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	$7,321.00 (+8.38%)	$251,500 (-) Land $112,700 Building $138,800
2023	$6,755.00 (+3.75%)	$251,500 (-) Land $112,700 Building $138,800	$354,160
2022	$6,511.00	$251,500 Land $112,700 Building $138,800

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 · 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	1 in force
Nearby Flood Claims	5 (1987–2011)
Most Recent Claim	Apr 2011 · river or lake flooding
Claims by Event	Severe Storms And Flooding, Apr 2007 · 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	None beyond 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	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 302 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Fidium Fiber Fiber	2,000 / 2,000
Breezeline Fiber · Cable in parts of the area	1,000 / 1,000

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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