4 Spruce St, Concord, NH 03301 Property Records

Merrimack County and Concord City property record for 4 Spruce St, Concord, NH 03301

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,187 sqft · built 1880
Lot Size	0.06 acres (2,614 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,512 (2025)
Deeds & Mortgages	Jan 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`M:30 B:1 L:13`

Property Details

APN / Parcel Number

Primary APN	`M:30 B:1 L:13`
Alternative APN	`CNCD M:7443Z B:109`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,187 sqft Living Area
Gross Area	2,224 sqft
1st Floor Area	816 sqft
Basement Area	816 sqft
Unfinished Basement	816 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	2,614 sqft (0.06 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	4 SPRUCE ST
City	CONCORD
State	NH
Zip	03301-3544
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD
Legal Block	109
Legal Lot Number	13
Jurisdiction	CONCORD CITY NH
Township / Civil Division	CONCORD
Census Block Group	1
Census Block	1023
Census Tract	32200

Owner

Source: Merrimack County and Concord City records · APN M:30 B:1 L:13

Assessment roll updated July 28, 2026 · Last verified August 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 File
Mailing Address	4 SPRUCE ST, CONCORD, NH 03301-3544
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Updated	Sep 20, 2026

January 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	CONCORD CITY NH
Recording Date	Jan 21, 2020
Property Address	4 SPRUCE ST, CONCORD, NH 03301-3544
Document Number	0036630476
Book / Page	003663 / 000476
Instrument Date	Jan 21, 2020
Instrument	1405
Transaction Type	Construction Loan
Record Updated	Feb 11, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	724 E INDUSTRIAL PARK DR #10 MANCHESTER NH 031095629, 10, MANCHESTER, NH 03109-5629

Mortgage

Document Number	36630476
Date	Jan 21, 2020
Book Page	003663/000476
Instrument	1405

Lender

Name	EASTERN BK
Type	Bank
Address	LYNN, MA 01901

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Merrimack County and Concord City records · Assessment roll updated July 28, 2026 · Last verified August 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,512.00 (-15.46%)	$155,000 (-21.99%) Land $88,000 Building $67,000
2023	$5,337.00 (+3.75%)	$198,700 (-) Land $88,000 Building $110,700	$324,520
2022	$5,144.00	$198,700 Land $88,000 Building $110,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of January 22, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Not rated no burnable land within ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Consolidated Communications Fiber · DSL in parts of the area	2,000 / 2,000
Cogeco Cable Holdings II Fiber · Cable in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 664 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	CONCORD WATER DEPT serves 44,215 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.