45 Pearl St, Franklin, NH 03235 Property Records

Merrimack County and Franklin City property record for 45 Pearl St, Franklin, NH 03235

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,079 sqft · built 1900
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$342,000 (Dec 2023)
Tax Bill	$5,506 (2025)
Deeds & Mortgages	Dec 2023 Sale & Mortgage Apr 2023 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`FRKN M:134 B:081 L`

Property Details

APN / Parcel Number

Primary APN	`FRKN M:134 B:081 L`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,079 sqft Living Area
Gross Area	3,726 sqft
1st Floor Area	1,496 sqft
Basement Area	892 sqft
Unfinished Basement	892 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Street Address	45 PEARL ST
City	FRANKLIN
State	NH
Zip	03235-1318
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3W&S
Legal Block	81
Jurisdiction	FRANKLIN CITY NH
Township / Civil Division	FRANKLIN
Census Block Group	3
Census Block	3015
Census Tract	43002

Owner

45 Pearl St is owned and occupied by an individual who bought it in December 2023.

Source: Merrimack County and Franklin City records, as of April 30, 2026

Owner of Record	Individual Name on File
Mailing Address	45 PEARL ST, FRANKLIN, NH 03235-1318
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
Dec 12, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage NHFA
Apr 14, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage GUILD MORTGAGE CO
Jun 14, 2021	Quit Claim Deed, Transfer · Stand-Alone Refinance FEDERAL SAVINGS BANK
Sep 29, 2020	Warranty Deed, Transfer · VA Mortgage USAA
Jun 12, 2017	Grant Deed, Transfer · VA Mortgage RESIDENTIAL MTG SVC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 12, 2023 · Amount on File
Deed Sale	Dec 12, 2023 · Amount on File
Prior Sale	Apr 14, 2023 · Amount on File
Deed Document Number	202317710
Deed Book / Page	3844 / 2725
Record Updated	Jun 8, 2026

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN CITY NH
Recording Date	Dec 12, 2023
Property Address	45 PEARL ST, FRANKLIN, NH 03235-1318
Document Number	0000017710
Book / Page	3844 / 2725
Instrument Date	Dec 11, 2023
Instrument	202300017710
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment 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
Address	40 HIGHLAND ST UNIT B, B, ASHLAND, NH 03217-4372

Mortgage

Document Number	0000017711
Date	Dec 12, 2023
Instrument	202300017711

Lender

Name	NHFA

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN CITY NH
Recording Date	Apr 14, 2023
Property Address	45 PEARL ST, FRANKLIN, NH 03235-1318
Document Number	0000004708
Book / Page	3823 / 75
Instrument Date	Apr 13, 2023
Instrument	202300004708
Transaction Type	Transfer
Record Updated	Nov 20, 2025

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
Address	5555 W TINKERER CT, CRYSTAL RIVER, FL 34429-8727

Mortgage

Document Number	0000004709
Date	Apr 14, 2023
Instrument	202300004709

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Mortgage

Document Number	0000004710
Date	Apr 14, 2023
Book Page	3823/101
Instrument	202300004710

Lender

Name	NHFA

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	49 Months
Due	May 1, 2027

June 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRANKLIN CITY NH
Recording Date	Jun 14, 2021
Property Address	45 PEARL ST, FRANKLIN, NH 03235-1318
Document Number	0000015301
Book / Page	3743 / 2392
Instrument Date	Jun 1, 2021
Instrument	202100015301
Transaction Type	Transfer
Record Updated	Jan 17, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	45 PEARL ST, FRANKLIN, NH 03235-1318

Mortgage

Document Number	0000015302
Date	Jun 14, 2021
Book Page	3743/2394
Instrument	202100015302

Lender

Name	FEDERAL SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN CITY NH
Recording Date	Sep 29, 2020
Property Address	45 PEARL ST, FRANKLIN, NH 03235-1318
Document Number	0036982449
Book / Page	003698 / 002449
Instrument Date	Sep 28, 2020
Instrument	21250
Transaction Type	Transfer
Record Updated	Oct 22, 2020
Title Company	OTHER

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,645.00
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	157 VALLEY WEST WAY MANCHESTER NH 031023669, MANCHESTER, NH 03102-3669

Mortgage

Document Number	36982451
Date	Sep 29, 2020
Book Page	003698/002451
Instrument	21251

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 28, 2050

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FRANKLIN CITY NH
Recording Date	Jun 12, 2017
Property Address	45 PEARL ST, FRANKLIN, NH 03235-1318
Document Number	0035582476
Book / Page	003558 / 002476
Instrument Date	Jun 9, 2017
Instrument	10328
Transaction Type	Transfer
Record Updated	Jun 27, 2017

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,685.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	574 FAIRFIELD ST MANCHESTER NH 031042857, MANCHESTER, NH 03104-2857

Mortgage

Document Number	35582480
Date	Jun 12, 2017
Book Page	003558/002480
Instrument	10329

Lender

Name	RESIDENTIAL MTG SVC
Type	Mortgage Company
Address	SOUTH PORTLAND, ME 04106

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 11, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 45 Pearl St was $5,506, up 2.8% from the year before.

Source: Merrimack County and Franklin City assessment roll, as of April 30, 2026

Property Jurisdictions

Type	Name
State	New Hampshire
County	Merrimack County
Municipality	Franklin City
Unified School District	Franklin School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,506.00 (+2.8%)	$312,300 (-) Land $74,900 Building $237,400
2024	$5,356.00	$312,300 Land $74,900 Building $237,400
2023			$318,915
2022	$4,424.00	$181,400 Land $60,700 Building $120,700

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

Flood

FEMA maps place 45 Pearl St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2014.

Source: FEMA National Flood Hazard Layer, effective January 22, 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 Claims	2 (2014)
Claims Outside the SFHA	2 of 2
Most Recent Claim	May 2014 · other causes

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 Pearl 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	FRANKLIN WATER WORKS serves 7,200 people · EPA ID NH0851010
Water Source	Groundwater
Last State Inspection	May 2025
Lead	3 ppb (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 307 locations within half a mile, as of December 31, 2025

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

May also be available: Fidium Fiber.

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