45 Summit St, Franklin, NH 03235 Property Records

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

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,105 sqft · built 1929
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on Record
Last Sale	$148,000 (May 2024)
Tax Bill	$3,491 (2025)
Deeds & Mortgages	May 2022 Refinance Aug 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`FRKN M:098 B:049 L`

Property Details

APN / Parcel Number

Primary APN	`FRKN M:098 B:049 L`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,105 sqft Living Area
Gross Area	1,836 sqft
1st Floor Area	900 sqft
Basement Area	900 sqft
Unfinished Basement	900 sqft

Exterior

Year Built	Built 1929
Effective Year Built	Effective 1929
Architectural Style	Cottage
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Metal
Lot Area	10,019 sqft (0.23 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	45 SUMMIT ST
City	FRANKLIN
State	NH
Zip	03235-1554
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1W&S
Legal Block	49
Jurisdiction	FRANKLIN CITY NH
Township / Civil Division	FRANKLIN
Census Block Group	1
Census Block	1003
Census Tract	43001

Owner

Source: Merrimack County and Franklin City records, as of October 19, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	45 SUMMIT ST, FRANKLIN, NH 03235-1554
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
May 9, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK
Aug 28, 2018	Deed of Trust, Mortgage CITIZENS BK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 17, 2024 · Amount on Record
Deed Sale	May 17, 2024 · Amount on Record
Prior Sale	Sep 23, 2005 · Amount on Record
Deed Document Number	20246371
Deed Book / Page	3856 / 826
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN CITY NH
Property Address	45 SUMMIT ST, FRANKLIN, NH 03235-1554
Transaction Type	Mortgage
Record Updated	May 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008928
Date	May 9, 2022
Book Page	3791/296
Instrument	202200008928

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Jun 1, 2042

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN CITY NH
Property Address	45 SUMMIT ST, FRANKLIN, NH 03235-1554
Document Number	0036062520
Instrument Date	Aug 28, 2018
Transaction Type	Mortgage
Record Updated	Jan 15, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 SUMMIT ST FRANKLIN NH 032351554, FRANKLIN, NH 03235-1554

Mortgage

Document Number	0036062520
Date	Sep 4, 2018
Book Page	003606/002520
Instrument	15860

Lender

Name	CITIZENS BK NA
Address	PROVIDENCE, RI 02903

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Sep 3, 2038

Tax Assessment & Valuation

Source: Merrimack County and Franklin City assessment roll, as of July 28, 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
2025	$3,491.00 (+2.8%)	$198,000 (-) Land $72,200 Building $125,800
2024	$3,396.00 (+14.42%)	$198,000 (+62.7%) Land $72,200 Building $125,800
2022	$2,968.00	$121,700 Land $58,700 Building $63,000

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

Source: FEMA National Flood Hazard Layer, effective January 22, 2026

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.

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

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 129 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Fiber	2,000 / 2,000
Breezeline Cable · Fiber in parts of the area	1,000 / 50
Starlink Satellite	280 / 30

May also be available: Fidium Fiber, T-Mobile.

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