40 Central St, Sunapee, NH 03782 Property Records

Sullivan County and Sunapee Town property record for 40 Central St, Sunapee, NH 03782

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 3,135 sqft · built 1898
Lot Size	0.73 acres (31,799 sqft)
Owner	Individual Name on File
Last Sale	$565,000 (Aug 2022)
Tax Bill	$5,974 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Sep 2021 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`SUNA M:129 B:69 L`

Property Details

APN / Parcel Number

Primary APN	`SUNA M:129 B:69 L`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,135 sqft Living Area
Gross Area	5,520 sqft

Exterior

Year Built	Built 1898
Effective Year Built	Effective 1973
Architectural Style	Conventional
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Slate
Lot Area	31,799 sqft (0.73 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	40 CENTRAL ST
City	SUNAPEE
State	NH
Zip	03782-2704
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	VILLAG
Legal Block	69
Jurisdiction	SUNAPEE TOWN NH
Township / Civil Division	SUNAPEE
Census Block Group	4
Census Block	4015
Census Tract	975300

Owner

40 Central St is owned by an individual who bought it in August 2022.

Source: Sullivan County and Sunapee Town records, as of July 28, 2026

Owner of Record	Individual Name on File
Mailing Address	77 BANK ST, HANOVER, NH 03755
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
Apr 20, 2021	Deed of Trust, Mortgage · Balloon Mortgage FIGURE LENDING LCC
Sep 29, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE
May 11, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance FIGURE LENDING LCC
Aug 4, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage CLAREMONT SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 4, 2022 · Amount on File
Deed Sale	Aug 4, 2022 · Amount on File
Deed Document Number	2022750
Deed Book / Page	2204 / 275
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUNAPEE TOWN NH
Property Address	40 CENTRAL ST, SUNAPEE, NH 03782-2704
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	002147-581
Date	Apr 20, 2021
Book Page	2147/581
Instrument	2102511

Lender

Name	FIGURE LENDING LCC

Agreement

Type	Balloon Mortgage
Amount	Amount on Record

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUNAPEE TOWN NH
Property Address	40 CENTRAL ST, SUNAPEE, NH 03782-2704
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002168-926
Date	Sep 29, 2021
Book Page	2168/926
Instrument	2106624

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUNAPEE TOWN NH
Property Address	40 CENTRAL ST, SUNAPEE, NH 03782-2704
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	002194-533
Date	May 11, 2022
Book Page	2194/533
Instrument	2202787

Lender

Name	FIGURE LENDING LCC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Jun 1, 2037

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUNAPEE TOWN NH
Recording Date	Aug 4, 2022
Property Address	40 CENTRAL ST, SUNAPEE, NH 03782-2704
Document Number	002204-275
Book / Page	2204 / 275
Instrument Date	Aug 4, 2022
Instrument	2204750
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	77 BANK ST, LEBANON, NH 03766-1771

Mortgage

Document Number	0002204751
Date	Aug 4, 2022
Instrument	2204751

Lender

Name	CLAREMONT SAVINGS BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 40 Central St was $5,974, up 95.2% from the year before.

Source: Sullivan County and Sunapee Town assessment roll, as of July 28, 2026

Property Jurisdictions

Type	Name
State	New Hampshire
County	Sullivan County
County Subdivision	Sunapee Town
Unified School District	Sunapee School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$5,974.00 (+95.16%)	$566,300 (+85.19%) Land $263,700 Building $302,600
2024	$3,061.00	$305,800 Land $111,000 Building $194,800
2022	$4,278.00	$305,800 Land $111,000 Building $194,800

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 40 Central St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective December 16, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force

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 40 Central 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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	SUNAPEE WATER WORKS serves 1,680 people · EPA ID NH2271010
Water Source	Surface water
Last State Inspection	May 2024

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jan 2020
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 179 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Fidium Fiber Fiber	2,000 / 2,000
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Central St

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