38 Spruce St, Concord, NH 03301 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,087 sqft · built 1880
Lot Size	0.08 acres (3,485 sqft)
Owner	Individual Name on File
Last Sale	$156,533 (Aug 2017)
Tax Bill	$6,390 (2025)
Deeds & Mortgages	Mar 2022 Refinance Aug 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:23 B:2 L:11`

Property Details

APN / Parcel Number

Primary APN	`M:23 B:2 L:11`
Alternative APN	`CNCD M:7912Z B:28`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,087 sqft Living Area
Gross Area	2,092 sqft
1st Floor Area	796 sqft
Basement Area	796 sqft
Unfinished Basement	796 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,485 sqft (0.08 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	38 SPRUCE ST
City	CONCORD
State	NH
Zip	03301-3546
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD
Legal Block	28
Legal Lot Number	11
Jurisdiction	CONCORD CITY NH
Township / Civil Division	CONCORD
Census Block Group	2
Census Block	2044
Census Tract	32800

Owner

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

Source: Merrimack County and Concord City records, as of July 28, 2026

Owner of Record	Individual Name on File
Mailing Address	38 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
Mar 3, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE
Aug 18, 2017	Warranty Deed, Transfer · Conventional with PMI BAR HARBOR BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 18, 2017 · Amount on File
Deed Sale	Aug 18, 2017 · Amount on File
Prior Sale	Sep 16, 2010 · Amount on File
Deed Document Number	201715382
Deed Book / Page	3566 / 2932
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD CITY NH
Property Address	38 SPRUCE ST, CONCORD, NH 03301-3546
Transaction Type	Mortgage
Record Updated	Mar 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004379
Date	Mar 3, 2022
Book Page	3783/2076
Instrument	202200004379

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CONCORD CITY NH
Recording Date	Aug 18, 2017
Property Address	38 SPRUCE ST, CONCORD, NH 03301-3546
Document Number	0035662932
Book / Page	003566 / 002932
Instrument Date	Aug 11, 2017
Instrument	15382
Transaction Type	Transfer
Record Updated	Sep 22, 2017
Title Company	SUMMIT TITLE SERVICES LLC, SUMMIT TITLE SVCS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,348.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 E SIDE DR #424 CONCORD NH 033015435, 424, CONCORD, NH 03301-5435

Mortgage

Document Number	35662934
Date	Aug 18, 2017
Book Page	003566/002934
Instrument	15383

Lender

Name	BAR HARBOR BK&TR
Type	Bank
Address	BAR HARBOR, ME 04609

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Aug 17, 2047

Interest

Rate Type	Adjustable Rate
Rate	4%

Tax Assessment & Valuation

The 2025 property tax bill for 38 Spruce St was $6,390.

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	$6,390.00	$219,500 Land $96,600 Building $122,900
2023	$5,896.00 (+3.75%)	$219,500 (-) Land $96,600 Building $122,900	$304,190
2022	$5,683.00	$219,500 Land $96,600 Building $122,900

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

Flood

FEMA maps place 38 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 38 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	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	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 34 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

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

Cell Coverage

5G (outdoors only) and 4G LTE

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