45 Beech St, Milford, NH 03055 Property Records

Hillsborough County and Milford Town property record for 45 Beech St, Milford, NH 03055

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,152 sqft · built 1972
Lot Size	0.32 acres (13,939 sqft)
Owner	2 Individual Names on File
Last Sale	$225,000 (Jul 2017)
Tax Bill	$7,040 (2025)
Deeds & Mortgages	Oct 2023 Line of Credit Sep 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`MFRD M:34 B:38`

Property Details

APN / Parcel Number

Primary APN	`MFRD M:34 B:38`
Alternative APNs	`M:34 B:0038 L` `002663` `2663`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Half Baths	4 Half Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,152 sqft Living Area
Gross Area	2,324 sqft
1st Floor Area	1,152 sqft
Basement Area	1,344 sqft
Unfinished Basement	1,328 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,939 sqft (0.32 acres)
Garage Type	Basement

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	2663
Street Address	45 BEECH ST
City	MILFORD
State	NH
Zip	03055-4404
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Block	38
Jurisdiction	MILFORD TOWN NH
Township / Civil Division	MILFORD
Census Block Group	3
Census Block	3004
Census Tract	16204

Owner

45 Beech St is owned and occupied by two individuals who bought it in July 2017.

Source: Hillsborough County and Milford Town records, as of July 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	45 BEECH ST, MILFORD, NH 03055-4404
Occupancy	Owner Occupied
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
Oct 19, 2023	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Sep 14, 2022	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Jul 12, 2017	Warranty Deed, Transfer · FHA Mortgage MORTGAGE EQUITY PTRS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 12, 2017 · Amount on File
Deed Sale	Jul 12, 2017 · Amount on File
Prior Sale	Mar 31, 2011 · Amount on File
Deed Document Number	20177031641
Deed Book / Page	8986 / 1681
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILFORD TOWN NH
Property Address	45 BEECH ST, MILFORD, NH 03055-4404
Transaction Type	Mortgage
Record Updated	Nov 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	09735-1500
Date	Oct 19, 2023
Book Page	9735/1500
Instrument	230034553

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	481 Months
Due	Nov 1, 2063

Interest

Rate Type	Adjustable Rate

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILFORD TOWN NH
Property Address	45 BEECH ST, MILFORD, NH 03055-4404
Transaction Type	Mortgage
Record Updated	Sep 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	09651-1160
Date	Sep 14, 2022
Book Page	9651/1160
Instrument	220043418

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	481 Months
Due	Oct 1, 2062

Interest

Rate Type	Adjustable Rate

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MILFORD TOWN NH
Recording Date	Jul 12, 2017
Property Address	45 BEECH ST, MILFORD, NH 03055-4404
Document Number	0089861681
Book / Page	008986 / 001681
Instrument Date	Jul 11, 2017
Instrument	7031641
Transaction Type	Transfer
Record Updated	Jul 19, 2017

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,375.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	24 FREEMAN RD CHELMSFORD MA 018244877, CHELMSFORD, MA 01824-4877

Mortgage

Document Number	89861684
Date	Jul 12, 2017
Book Page	008986/001684
Instrument	7031642

Lender

Name	MORTGAGE EQUITY PTRS
Type	Mortgage Company
Address	LYNNFIELD, MA 01940

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 11, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 45 Beech St was $7,040, up 9.6% from the year before.

Source: Hillsborough County and Milford Town assessment roll, as of July 28, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,040.00 (+9.55%)	$271,500 (-) Land $81,000 Building $190,500
2024	$6,426.00 (+6.76%)	$271,500 (-) Land $81,000 Building $190,500	$347,700
2023	$6,019.00 (+6.64%)	$271,500 (-) Land $81,000 Building $190,500
2022	$5,644.00	$271,500 Land $81,000 Building $190,500

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

Flood

FEMA maps place 45 Beech St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 9, 2026 · 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	2 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 45 Beech 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	Direct burnable vegetation

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	MILFORD WATER UTILITIES DEPT serves 9,500 people · EPA ID NH1561010
Water Source	Purchased surface water from PENNICHUCK WATER WORKS
Last State Inspection	May 2023
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 341 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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