Carroll County and Effingham Town property record for 413 Pine River Rd, Effingham, NH 03882
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 3,136 sqft · built 2018 |
| Lot Size | 5.6 acres (243,936 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $7,967 (2025) |
| Deeds & Mortgages | Apr 2026 Line of Credit Oct 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | EFFI M:00413 B:000176 L:000000 |
| Primary APN | EFFI M:00413 B:000176 L:000000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,136 sqft Living Area |
| Gross Area | 5,340 sqft |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 243,936 sqft (5.6 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Street Address | 413 PINE RIVER RD |
|---|---|
| City | EFFINGHAM |
| State | NH |
| Zip | 03882-8244 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA RU |
| Legal Block | 176 |
| Jurisdiction | EFFINGHAM TOWN NH |
| Township / Civil Division | EFFINGHAM |
| Census Block Group | 2 |
| Census Block | 2031 |
| Census Tract | 955801 |
Source: Carroll County and Effingham Town records, as of July 28, 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 | 413 PINE RIVER RD, EFFINGHAM, NH 03882-8244 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 16, 2026 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Oct 22, 2020 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF NEW HAMPSHIRE, NA |
| Aug 27, 2019 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MTG |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM TOWN NH |
| Recording Date | Apr 16, 2026 |
| Property Address | 413 PINE RIVER RD, EFFINGHAM, NH 03882-8244 |
| Document Number | 003876-0175 |
| Book / Page | 3876 / 175 |
| Instrument Date | Apr 10, 2026 |
| Instrument | 20263334 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 413 PINE RIVER RD, EFFINGHAM, NH 03882-8244 |
| Document Number | 0000003334, |
|---|---|
| Date | Apr 16, 2026 |
| Book Page | 3876/175 |
| Instrument | 20263334 |
| Name | FIGURE LENDING LLC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | May 1, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.5% |
| Initial Type | Adjustable Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM TOWN NH |
| Property Address | 413 PINE RIVER RD, EFFINGHAM, NH 03882-8244 |
| Document Number | 0035410073 |
| Instrument Date | Oct 22, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 17, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 413 PINE RIVER RD EFFINGHAM NH 038828244, EFFINGHAM, NH 03882-8244 |
| Document Number | 0035410073 |
|---|---|
| Date | Oct 27, 2020 |
| Book Page | 003541/000073 |
| Instrument | 976 |
| Name | BANK OF NEW HAMPSHIRE, NA |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 26, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM TOWN NH |
| Property Address | 413 PINE RIVER RD, EFFINGHAM, NH 03882-8244 |
| Document Number | 0034610844 |
| Instrument Date | Aug 27, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Sep 24, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 413 PINE RIVER RD EFFINGHAM NH 038828244, EFFINGHAM, NH 03882-8244 |
| Document Number | 0034610844 |
|---|---|
| Date | Sep 4, 2019 |
| Book Page | 003461/000844 |
| Instrument | 8878 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 3, 2049 |
Source: Carroll County and Effingham Town assessment roll, as of July 28, 2026
| Type | Name |
|---|---|
| State | New Hampshire |
| County | Carroll County |
| County Subdivision | Effingham Town |
| Unified School District | Governor Wentworth Regional School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,967.00 (-0.45%) | $518,000 (+78.13%) Land $96,800 Building $421,200 | |
| 2024 | $8,003.00 (+11.46%) | $290,800 (-) Land $55,300 Building $235,500 | $318,060 |
| 2023 | $7,180.00 (+4.76%) | $290,800 (-) Land $55,300 Building $235,500 | |
| 2022 | $6,854.00 | $290,800 Land $55,300 Building $235,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective October 13, 2022 · 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 | 1 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.
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.
Source: FCC Broadband Data Collection, based on 2 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Fidium Fiber Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 50 |
| T-Mobile Fixed Wireless | 100 / 20 |
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