45 Penacook St, Concord, NH 03301 Property Records

Merrimack County and Concord City property record for 45 Penacook St, Concord, NH 03301

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,279 sqft · built 1940
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on File
Last Sale	$400,000 (Oct 2026)
Tax Bill	$5,714 (2025)
Deeds & Mortgages	Oct 2026 Sale & Mortgage Mar 2026 Second Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`CNCD M:583Z B:56`

Property Details

APN / Parcel Number

Primary APN	`CNCD M:583Z B:56`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,279 sqft Living Area
Gross Area	2,132 sqft
1st Floor Area	780 sqft
Basement Area	624 sqft
Unfinished Basement	624 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,098 sqft (0.14 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	45 PENACOOK ST
City	CONCORD
State	NH
Zip	03301-3148
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RN
Legal Block	56
Legal Lot Number	11
Jurisdiction	CONCORD CITY NH
Township / Civil Division	CONCORD
Census Block Group	1
Census Block	1022
Census Tract	32701

Owner

45 Penacook St is owned and occupied by two individuals who bought it in October 2026.

Source: Merrimack County and Concord City records, as of October 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	45 PENACOOK ST, CONCORD, NH 03301-3148
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

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 2, 2026	Warranty Deed, Transfer · Stand-Alone First Mortgage EASTERN BANK
Mar 19, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC
Sep 14, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 2, 2026 · Amount on File
Deed Sale	Oct 2, 2026 · Amount on File
Prior Sale	Sep 14, 2021 · Amount on File
Deed Document Number	202616690
Deed Book / Page	3945 / 2978
Record Updated	Oct 29, 2026

October 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CONCORD CITY NH
Recording Date	Oct 2, 2026
Property Address	45 PENACOOK ST, CONCORD, NH 03301-3148
Document Number	0000016690
Book / Page	3945 / 2978
Instrument Date	Sep 25, 2026
Instrument	202616690
Transaction Type	Transfer
Record Updated	Oct 21, 2026

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
Relationship	Joint Tenants with Right of Survivorship
Address	45 PENACOOK ST, CONCORD, NH 03301-3148

Mortgage

Date	Oct 2, 2026

Lender

Name	EASTERN BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Max Rate	-1%

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD CITY NH
Property Address	45 PENACOOK ST, CONCORD, NH 03301-3148
Transaction Type	Mortgage
Record Updated	Apr 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004014
Date	Mar 19, 2026
Book Page	3923/774
Instrument	202600004014

Lender

Name	SPRING EQ LLC

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	241 Months
Due	Apr 1, 2046

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CONCORD CITY NH
Recording Date	Sep 14, 2021
Property Address	45 PENACOOK ST, CONCORD, NH 03301-3148
Document Number	0000023616
Book / Page	3758 / 1460
Instrument Date	Sep 10, 2021
Instrument	202100023616
Transaction Type	Transfer
Record Updated	Feb 28, 2023

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
Relationship	Tenants by the Entirety
Address	8 KEEWAYDIN DR # 210, 210, SALEM, NH 03079-2839

Mortgage

Document Number	0000023617
Date	Sep 14, 2021
Instrument	202100023617

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 45 Penacook St was $5,714.

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	Assessed Market Value
2025	$5,714.00	$196,300 Land $85,900 Building $110,400
2023	$5,837.00 (+3.75%)	$217,300 (-) Land $85,900 Building $131,400	$395,960
2022	$5,626.00	$217,300 Land $85,900 Building $131,400

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.

Flood

FEMA maps place 45 Penacook St in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	5 (2005–2011)
Most Recent Claim	Mar 2011 · river or lake flooding
Claims by Event	Severe Storms And Flooding, May 2006 · 3 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 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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 20 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
TDS Telecom Fiber	1,000 / 1,000

May also be available: Breezeline, Fidium Fiber.

Cell Coverage

4G LTE only, no 5G reported

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