40 Elm St, Dover, NH 03820 Property Records

Strafford County and Dover City property record for 40 Elm St, Dover, NH 03820

Property Summary

Property Type	Condominium
Details	2 bd · 1 ba · 1,094 sqft · built 1885
Owner	Individual Name on File
Last Sale	$182,400 (Oct 2018)
Tax Bill	$6,229 (2025)
Deeds & Mortgages	Oct 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`DOVR M:12055 B:L:2`

Property Details

APN / Parcel Number

Primary APN	`DOVR M:12055 B:L:2`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,094 sqft Living Area
1st Floor Area	875 sqft
Basement Area	847 sqft
Unfinished Basement	847 sqft
Fireplaces	3 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1885
Effective Year Built	Effective 2002
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	40 ELM ST
City	DOVER
State	NH
Zip	03820-3941
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	HR
Legal Subdivision	40-42 ELM STREET
Legal Lot Number	2
Jurisdiction	DOVER CITY NH
Township / Civil Division	DOVER
Census Block Group	3
Census Block	3007
Census Tract	81300

Owner

40 Elm St, a condominium, is owned by an individual who bought it in October 2018.

Source: Strafford County and Dover City records, as of April 28, 2026

Owner of Record	Individual Name on File
Mailing Address	17 OYSTER RIVER RD, DURHAM, NH 03824-3008
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 16, 2018 · Amount on File
Deed Sale	Oct 16, 2018 · Amount on File
Prior Sale	Aug 24, 2015 · Amount on File
Deed Document Number	201814902
Deed Book / Page	4608 / 745
Record Updated	Jun 8, 2026

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DOVER CITY NH
Property Address	40 ELM ST, DOVER, NH 03820-3941
Document Number	0046080747
Instrument Date	Oct 15, 2018
Transaction Type	Mortgage
Record Updated	Oct 26, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	40 ELM ST DOVER NH 038203941, DOVER, NH 03820-3941

Mortgage

Document Number	0046080747
Date	Oct 16, 2018
Book Page	004608/000747
Instrument	14903

Lender

Name	OPTIMA BK&TR
Type	Bank
Address	PORTSMOUTH, NH 03801

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 15, 2033

Interest

Rate Type	Adjustable Rate
Rate	4.62%

Tax Assessment & Valuation

The 2025 property tax bill for 40 Elm St was $6,229, up 8.3% from the year before.

Source: Strafford County and Dover City assessment roll, as of April 28, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,229.00 (+8.31%)	$316,500 (-) Land $80,000 Building $236,500
2024	$5,751.00 (+10.51%)	$316,500 (+13.73%) Land $80,000 Building $236,500	$277,020
2023	$5,204.00 (+5.52%)	$278,300 (+11.95%) Land $69,000 Building $209,300
2022	$4,932.00	$248,600 Land $60,000 Building $188,600

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

Flood

FEMA maps place 40 Elm St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective April 26, 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

Wildfire risk around 40 Elm 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	None beyond 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	DOVER WATER DEPT serves 29,000 people · EPA ID NH0651010
Water Source	Groundwater
Last State Inspection	Oct 2025
Lead	1 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 412 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Breezeline Fiber · Cable in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20