45 Bret St, Berlin, NH 03570 Property Records

Coos County and Berlin City property record for 45 Bret St, Berlin, NH 03570

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 912 sqft · built 1967
Lot Size	0.31 acres (13,504 sqft)
Owner	Company Name on File
Last Sale	$185,000 (Nov 2023)
Tax Bill	$4,993 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Nov 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`126000058000000`

Property Details

APN / Parcel Number

Primary APN	`126000058000000`
Alternative APN	`BELN M:00126 B:000058 L:000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	912 sqft Living Area
Gross Area	1,864 sqft
Basement Area	912 sqft
Unfinished Basement	912 sqft

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Architectural Style	Ranch
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,504 sqft (0.31 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	126000058000000
Street Address	45 BRET ST
City	BERLIN
State	NH
Zip	03570-3801
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Block	58
Jurisdiction	BERLIN CITY NH
Township / Civil Division	BERLIN
Census Block Group	4
Census Block	4009
Census Tract	950700

Owner

45 Bret St is owned by a company that bought it in November 2023.

Source: Coos County and Berlin City records, as of May 29, 2026

Owner of Record	Company Name on File
Mailing Address	45 BRET ST, BERLIN, NH 03570-3801
Owner Type	Company

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
Mar 26, 2026	Deed of Trust, Mortgage · Conventional Mortgage THE FEDERAL SAVINGS BANK
Nov 17, 2023	Fiduciary Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 17, 2023 · Amount on File
Deed Sale	Nov 17, 2023 · Amount on File
Prior Sale	Nov 26, 2003 · Amount on File
Deed Document Number	20234970
Deed Book / Page	1640 / 879
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERLIN CITY NH
Property Address	45 BRET ST, BERLIN, NH 03570-3801
Transaction Type	Mortgage
Record Updated	Apr 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001699-107
Date	Mar 26, 2026
Book Page	1699/107
Instrument	2601161

Lender

Name	THE FEDERAL SAVINGS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

November 2023: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	BERLIN CITY NH
Recording Date	Nov 17, 2023
Property Address	45 BRET ST, BERLIN, NH 03570-3801
Document Number	001640-879
Book / Page	1640 / 879
Instrument Date	Nov 16, 2023
Instrument	2304970
Transaction Type	Transfer
Record Updated	Dec 6, 2023

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2 WENTWORTH AVE APT 8, 8, GORHAM, NH 03581-1049

Mortgage

Document Number	0002304971
Date	Nov 17, 2023
Instrument	2304971

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Mortgage

Document Number	001640-903
Date	Nov 17, 2023
Book Page	1640/903
Instrument	2304972

Lender

Name	NHFA

Agreement

Type	Cash (No Mortgage)
Amount	Amount on Record
Term	61 Months
Due	Dec 1, 2028

Tax Assessment & Valuation

The 2025 property tax bill for 45 Bret St was $4,993.

Source: Coos County and Berlin City assessment roll, as of May 29, 2026

Property Jurisdictions

Type	Name
State	New Hampshire
County	Coos County
Municipality	Berlin City
Unified School District	Berlin School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,993.00	$148,600 Land $39,400 Building $109,200
2023	$3,995.00 (-1.31%)	$148,500 (-) Land $39,400 Building $109,100	$172,615
2022	$4,048.00	$148,500 Land $39,400 Building $109,100

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

Flood

FEMA maps place 45 Bret St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2017.

Source: FEMA National Flood Hazard Layer, effective February 20, 2013 · 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
Flood Insurance Cost	Premium on File median of 14 policies
Nearby Flood Policies	14 in force
Nearby Flood Claims	2 (2017)
Most Recent Claim	Oct 2017 · Severe Storm And Flooding
Claims by Event	Severe Storm And Flooding, Oct 2017 · 2 claims

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 Bret 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	BERLIN WATER WORKS serves 9,575 people · EPA ID NH0231010
Water Source	Surface water
Last State Inspection	Aug 2025
Lead	Under 1 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	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 70 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 / 35
Netafy Fixed Wireless	500 / 500
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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