38 River Rd, Epsom, NH 03234 Property Records

Merrimack County and Epsom Town property record for 38 River Rd, Epsom, NH 03234

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,390 sqft · built 1930
Lot Size	0.46 acres (20,038 sqft)
Owner	2 Individual Names on File
Last Sale	$159,900 (Sep 2003)
Tax Bill	$7,169 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Oct 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`EPSO M:00U14 L:000025 S:000000`

Property Details

APN / Parcel Number

Primary APN	`EPSO M:00U14 L:000025 S:000000`
Alternative APN	`M:00U14 B:000025 L:000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,390 sqft Living Area
Gross Area	2,499 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,038 sqft (0.46 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	38 RIVER RD
City	EPSOM
State	NH
Zip	03234-4224
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES/AG
Legal Lot Number	25
Jurisdiction	EPSOM TOWN NH
Township / Civil Division	EPSOM
Census Block Group	2
Census Block	2039
Census Tract	34000

Owner

38 River Rd is owned and occupied by two individuals who bought it in September 2003.

Source: Merrimack County and Epsom Town records, as of July 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	38 RIVER RD, EPSOM, NH 03234-4224
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
Oct 6, 2020	Deed of Trust, Mortgage · VA Mortgage WATERSTONE MTG CORP
Oct 12, 2018	Deed of Trust, Mortgage · FHA Mortgage RESIDENTIAL MTG SVC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 18, 2003 · Amount on File
Deed Sale	Sep 18, 2003 · Amount on File
Deed Book / Page	2570 / 537
Record Updated	Sep 20, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EPSOM TOWN NH
Property Address	38 RIVER RD, EPSOM, NH 03234-4224
Document Number	0037010799
Instrument Date	Oct 6, 2020
Transaction Type	Mortgage
Record Updated	Oct 29, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	38 RIVER RD EPSOM NH 032344224, EPSOM, NH 03234-4224

Mortgage

Document Number	0037010799
Date	Oct 13, 2020
Book Page	003701/000799
Instrument	22545

Lender

Name	WATERSTONE MTG CORP
Type	Mortgage Company
Address	PEWAUKEE, WI 53072

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 12, 2050

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EPSOM TOWN NH
Property Address	38 RIVER RD, EPSOM, NH 03234-4224
Document Number	0036112144
Instrument Date	Oct 12, 2018
Transaction Type	Mortgage
Record Updated	Nov 1, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	38 RIVER RD EPSOM NH 032344224, EPSOM, NH 03234-4224

Mortgage

Document Number	0036112144
Date	Oct 17, 2018
Book Page	003611/002144
Instrument	18860

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	Oct 16, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 38 River Rd was $7,169, up 21.7% from the year before.

Source: Merrimack County and Epsom Town assessment roll, as of July 28, 2026

Property Jurisdictions

Type	Name
State	New Hampshire
County	Merrimack County
County Subdivision	Epsom Town
Elementary School District	Epsom School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,169.00 (+21.71%)	$408,700 (+84.85%) Land $181,200 Building $227,500
2024	$5,890.00	$221,100 Land $100,100 Building $121,000
2023			$308,750
2022	$5,271.00	$221,100 Land $100,100 Building $121,000

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

Flood

FEMA maps place 38 River Rd in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1995.

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	2 in force
Nearby Flood Claims	4 (1995–2007)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Apr 2007 · Severe Storms And 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

Wildfire risk around 38 River Rd 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	Direct burnable vegetation

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	EPSOM VILLAGE WATER DISTRICT serves 800 people · EPA ID NH0771010
Water Source	Groundwater
Last State Inspection	May 2024

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

Provider	Max Down / Up (Mbps)
Fidium Fiber Fiber	2,000 / 2,000
Breezeline Cable	1,000 / 50

Cell Coverage

4G LTE only, no 5G reported

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