39 Summit St, Franklin, NH 03235 Property Records

Merrimack County and Franklin City property record for 39 Summit St, Franklin, NH 03235

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,042 sqft · built 1900
Lot Size	0.09 acres (3,920 sqft)
Owner	Individual Name on Record
Last Sale	$249,000 (Jul 2026)
Tax Bill	$2,958 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Jul 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`FRKN M:098 B:046 L`

Property Details

APN / Parcel Number

Primary APN	`FRKN M:098 B:046 L`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,042 sqft Living Area
Gross Area	1,978 sqft
1st Floor Area	974 sqft
Basement Area	528 sqft
Unfinished Basement	528 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Other
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,920 sqft (0.09 acres)
Garage Type	Covered
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	39 SUMMIT ST
City	FRANKLIN
State	NH
Zip	03235-1554
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1W&S
Legal Block	46
Jurisdiction	FRANKLIN CITY NH
Township / Civil Division	FRANKLIN
Census Block Group	1
Census Block	1003
Census Tract	43001

Owner

Source: Merrimack County and Franklin City records, as of October 19, 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	5 PINE ST, 2, LACONIA, NH 03246-3500
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2026	Deed of Trust, Mortgage · Second Mortgage (Down Payment) ALABAMA HSNG FINANCIAL AUTH
Jul 30, 2026	Warranty Deed, Transfer · Stand-Alone First Mortgage PRIME LENDING
Sep 21, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage HARBORONE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 30, 2026 · Amount on Record
Deed Sale	Jul 30, 2026 · Amount on Record
Prior Sale	Sep 21, 2021 · Amount on Record
Deed Document Number	202612582
Deed Book / Page	3938 / 2130
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN CITY NH
Recording Date	Jul 30, 2026
Property Address	39 SUMMIT ST, FRANKLIN, NH 03235-1554
Document Number	0000012584
Book / Page	3938 / 2151
Instrument Date	Jul 30, 2026
Instrument	202612584
Transaction Type	Mortgage
Record Updated	Aug 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	39 SUMMIT ST, FRANKLIN, NH 03235-1554

Mortgage

Document Number	0000012584,
Date	Jul 30, 2026
Book Page	3938/2151
Instrument	202612584

Lender

Name	ALABAMA HSNG FINANCIAL AUTH

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	6.43%
Max Rate	-1%

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN CITY NH
Recording Date	Jul 30, 2026
Property Address	39 SUMMIT ST, FRANKLIN, NH 03235-1554
Document Number	0000012582
Book / Page	3938 / 2130
Instrument Date	Jul 30, 2026
Instrument	202612582
Transaction Type	Transfer
Record Updated	Aug 19, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Date	Jul 30, 2026

Lender

Name	PRIME LENDING

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate	6.47%
Max Rate	-1%

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN CITY NH
Recording Date	Sep 21, 2021
Property Address	39 SUMMIT ST, FRANKLIN, NH 03235-1554
Document Number	202100024404
Book / Page	3759 / 2393
Instrument Date	Sep 20, 2021
Instrument	202100024404
Transaction Type	Transfer
Record Updated	Oct 6, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	39 SUMMIT ST, FRANKLIN, NH 03235-1554

Mortgage

Document Number	202100024406
Date	Sep 21, 2021
Instrument	202100024406

Lender

Name	HARBORONE MORTGAGE

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Merrimack County and Franklin City assessment roll, as of July 28, 2026

Property Jurisdictions

Type	Name
State	New Hampshire
County	Merrimack County
Municipality	Franklin City
Unified School District	Franklin School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,958.00 (+21.28%)	$167,800 (+67.8%) Land $59,900 Building $107,900
2023			$177,650
2022	$2,439.00	$100,000 Land $48,000 Building $52,000

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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

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	FRANKLIN WATER WORKS serves 7,200 people · EPA ID NH0851010
Water Source	Groundwater
Last State Inspection	May 2025
Lead	3 ppb (2024) 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 129 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Fiber	2,000 / 2,000
Breezeline Cable · Fiber in parts of the area	1,000 / 50
Starlink Satellite	280 / 30

May also be available: Fidium Fiber, T-Mobile.

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