Carroll County and Ossipee Town property record for 45 Effingham Rd, Ossipee, NH 03864
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 2,292 sqft · built 1830 |
| Lot Size | 17.5 acres (766,351 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $530,000 (Apr 2026) |
| Tax Bill | $5,436 (2025) |
| Deeds & Mortgages | May 2025 Mortgage May 2022 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | OSSI M:00248 L:010000 S:000000 |
| Primary APN | OSSI M:00248 L:010000 S:000000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 2,292 sqft Living Area |
| Gross Area | 4,254 sqft |
| Year Built | Built 1830 |
|---|---|
| Effective Year Built | Effective 1830 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 766,351 sqft (17.5 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Street Address | 45 EFFINGHAM RD |
|---|---|
| City | OSSIPEE |
| State | NH |
| Zip | 03864-7155 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RUR |
| Legal Lot Number | 10000 |
| Jurisdiction | OSSIPEE TOWN NH |
| Township / Civil Division | OSSIPEE |
| Census Block Group | 1 |
| Census Block | 1029 |
| Census Tract | 955902 |
Source: Carroll County and Ossipee 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 | 45 EFFINGHAM RD, OSSIPEE, NH 03864-7155 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Individual(s) |
| Date | Document |
|---|---|
| May 12, 2025 | Deed of Trust, Mortgage ST MARYS BANK |
| May 5, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance ST MARYS BANK |
| Apr 20, 2026 | Warranty Deed, Transfer · Conventional Mortgage ENVOY MORTGAGE |
| Mar 6, 2018 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 20, 2026 · Amount on Record |
| Deed Sale | Apr 20, 2026 · Amount on Record |
| Deed Book / Page | 3876 / 851 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSSIPEE TOWN NH |
| Property Address | 45 EFFINGHAM RD, OSSIPEE, NH 03864-7155 |
| Transaction Type | Mortgage |
| Record Updated | May 13, 2026 |
| Name | Verified Name |
|---|
| Document Number | 003821-0045 |
|---|---|
| Date | May 12, 2025 |
| Book Page | 3821/45 |
| Instrument | 202500037880 |
| Name | ST MARYS BANK |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSSIPEE TOWN NH |
| Property Address | 45 EFFINGHAM RD, OSSIPEE, NH 03864-7155 |
| Transaction Type | Mortgage |
| Record Updated | May 13, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 003666-0082 |
|---|---|
| Date | May 5, 2022 |
| Book Page | 3666/82 |
| Instrument | 202200052180 |
| Name | ST MARYS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSSIPEE TOWN NH |
| Recording Date | Apr 20, 2026 |
| Property Address | 45 EFFINGHAM RD, OSSIPEE, NH 03864-7155 |
| Document Number | 003876-0851 |
| Book / Page | 3876 / 851 |
| Instrument Date | Apr 15, 2026 |
| Instrument | 20263479 |
| Transaction Type | Transfer |
| Record Updated | Jul 28, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 45 EFFINGHAM RD, OSSIPEE, NH 03864-7155 |
| Date | Apr 20, 2026 |
|---|
| Name | ENVOY MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | May 1, 2046 |
| Rate | 6% |
|---|---|
| Max Rate | -1% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OSSIPEE TOWN NH |
| Recording Date | Mar 6, 2018 |
| Property Address | 45 EFFINGHAM RD, OSSIPEE, NH 03864-7155 |
| Document Number | 0033770410 |
| Book / Page | 003377 / 000410 |
| Instrument Date | Feb 28, 2018 |
| Instrument | 2102 |
| Transaction Type | Transfer |
| Record Updated | Mar 27, 2018 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 42 OSSIPEE NH 038640042, OSSIPEE, NH 03864-0042 |
Source: Carroll County and Ossipee Town assessment roll, as of July 28, 2026
| Type | Name |
|---|---|
| State | New Hampshire |
| County | Carroll County |
| County Subdivision | Ossipee Town |
| Unified School District | Governor Wentworth Regional School District (PK - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $5,436.00 (+10.2%) | $425,677 (+0.09%) Land $187,977 Building $237,700 |
| 2024 | $4,933.00 (+15.64%) | $425,290 (+3.38%) Land $187,590 Building $237,700 |
| 2023 | $4,266.00 (+16.33%) | $411,398 (+106.2%) Land $193,798 Building $217,600 |
| 2022 | $3,667.00 | $199,514 Land $70,014 Building $129,500 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective October 13, 2022
| 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.
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 6 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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