43 Penacook St, Concord, NH 03301 Property Records

Merrimack County and Concord City property record for 43 Penacook St, Concord, NH 03301

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,513 sqft · built 1800
Lot Size	5.3 acres (230,868 sqft)
Owner	Individual Name on File
Tax Bill	$7,614 (2025)
Deeds & Mortgages	Dec 2021 Refinance Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:142-P B:10`

Property Details

APN / Parcel Number

Primary APN	`M:142-P B:10`
Alternative APN	`CNCD M:142P B:10`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,513 sqft Living Area
Gross Area	4,059 sqft
1st Floor Area	1,117 sqft
Basement Area	660 sqft
Unfinished Basement	660 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1800
Effective Year Built	Effective 1800
Architectural Style	Conventional
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	230,868 sqft (5.3 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	43 PENACOOK ST
City	CONCORD
State	NH
Zip	03301-3148
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RO
Legal Block	10
Jurisdiction	CONCORD CITY NH
Township / Civil Division	CONCORD
Census Block Group	1
Census Block	1010
Census Tract	32706

Owner

43 Penacook St, a single family home, is owned by an individual.

Source: Merrimack County and Concord City records, as of July 28, 2026

Owner of Record	Individual Name on File
Mailing Address	9825 PASSAIC DR, HUDSON, FL 34667-3439
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
Dec 20, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CMG FINANCIAL
Dec 14, 2020	Deed of Trust, Mortgage · Conventional with PMI MERRIMACK CNTY SVGS BK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD CITY NH
Property Address	43 PENACOOK ST, CONCORD, NH 03301-3148
Transaction Type	Mortgage
Record Updated	Jan 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000032400
Date	Dec 20, 2021
Book Page	3774/1422
Instrument	202100032400

Lender

Name	CMG FINANCIAL

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	373 Months
Due	Jan 1, 2053

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD CITY NH
Property Address	43 PENACOOK ST, CONCORD, NH 03301-3148
Document Number	0037122831
Instrument Date	Dec 14, 2020
Transaction Type	Mortgage
Record Updated	Dec 29, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	43-435 PENACOOK ST CONCORD NH 033013148, CONCORD, NH 03301-3148

Mortgage

Document Number	0037122831
Date	Dec 15, 2020
Book Page	003712/002831
Instrument	28774

Lender

Name	MERRIMACK CNTY SVGS BK
Type	Federal Savings Bank
Address	CONCORD, NH 03301

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Dec 14, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 43 Penacook St was $7,614.

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

Year	Tax Bill	Assessed Value
2025	$7,614.00	$247,700 Land $114,400 Building $133,300
2023	$7,220.00 (+0.06%)	$247,700 (-) Land $114,400 Building $133,300
2022	$7,216.00	$247,700 Land $114,400 Building $133,300

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

Flood

FEMA maps place 43 Penacook St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 43 Penacook 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	CONCORD WATER DEPT serves 44,215 people · EPA ID NH0501010
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, 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 87 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Breezeline Fiber · Cable in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Fidium Fiber.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Penacook St

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