518 N State St, Concord, NH 03301 Property Records

Merrimack County and Concord City property record for 518 N State St, Concord, NH 03301

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 2,188 sqft · built 1888
Lot Size	0.28 acres (12,197 sqft)
Owner	Trust Name on File
Last Sale	$240,000 (May 2019)
Tax Bill	$9,691 (2025)
Deeds & Mortgages	Apr 2022 Line of Credit Sep 2025 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`M:392-Z B:72`

Property Details

APN / Parcel Number

Primary APN	`M:392-Z B:72`
Alternative APN	`CNCD M:392Z B:72`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,188 sqft Living Area
Gross Area	3,934 sqft
1st Floor Area	1,085 sqft
Attic	Attic
Attic Area	812 sqft
Basement Area	1,085 sqft
Unfinished Basement	1,085 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1888
Effective Year Built	Effective 1888
Architectural Style	Conventional
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,197 sqft (0.28 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	518 N STATE ST
City	CONCORD
State	NH
Zip	03301-3237
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RN
Legal Block	72
Jurisdiction	CONCORD CITY NH
Township / Civil Division	CONCORD
Census Block Group	1
Census Block	1001
Census Tract	32600

Owner

518 N State St is owner-occupied and held in a trust since February 2024.

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

Owner of Record	Trust Name on File
Mailing Address	518 N STATE ST, CONCORD, NH 03301-3237
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

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
Apr 27, 2022	Deed of Trust, Mortgage · Line of Credit EASTERN BANK
Sep 17, 2025	Deed of Trust, Mortgage EASTERN BANK
Feb 9, 2024	Warranty Deed, Transfer
May 13, 2020	Deed of Trust, Mortgage · Conventional with PMI EMBRACE HM LOANS
May 7, 2019	Warranty Deed, Transfer · Conventional with PMI EMBRACE HM LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 7, 2019 · Amount on File
Deed Sale	May 7, 2019 · Amount on File
Prior Sale	Oct 22, 2013 · Amount on File
Deed Book / Page	3629 / 2934
Last Transfer Date	Feb 6, 2024
Transfer Doc	0000001789
Record Updated	Jun 8, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD CITY NH
Property Address	518 N STATE ST, CONCORD, NH 03301-3237
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008207
Date	Apr 27, 2022
Book Page	3789/2959
Instrument	202200008207

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD CITY NH
Property Address	518 N STATE ST, CONCORD, NH 03301-3237
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000014566
Date	Sep 17, 2025
Book Page	3903/760
Instrument	202500014566

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Amount	Amount on Record

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CONCORD CITY NH
Recording Date	Feb 9, 2024
Property Address	518 N STATE ST, CONCORD, NH 03301-3237
Document Number	0000001789
Book / Page	3849 / 82
Instrument Date	Feb 6, 2024
Instrument	202400001789
Transaction Type	Transfer
Record Updated	Mar 6, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	518 N STATE ST, CONCORD, NH 03301-3237

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD CITY NH
Property Address	518 N STATE ST, CONCORD, NH 03301-3237
Document Number	0036770753
Instrument Date	May 13, 2020
Transaction Type	Mortgage
Record Updated	Jul 15, 2020
Title Company	PHENIX TITLE SERVICES LLC-BEDFORD, PHENIX TITLE SVCS LLC-BEDFORD

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	518 N STATE ST CONCORD NH 033013237, CONCORD, NH 03301-3237

Mortgage

Document Number	0036770753
Date	May 18, 2020
Book Page	003677/000753
Instrument	9331

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	May 17, 2050

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CONCORD CITY NH
Recording Date	May 7, 2019
Property Address	518 N STATE ST, CONCORD, NH 03301-3237
Document Number	0036292934
Book / Page	003629 / 002934
Instrument Date	May 6, 2019
Instrument	7096
Transaction Type	Transfer
Record Updated	May 23, 2019
Title Company	PHENIX TITLE SERVICES LLC, PHENIX TITLE SVCS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,600.00
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	518 N STATE ST CONCORD NH 033013237, CONCORD, NH 03301-3237

Mortgage

Document Number	36292936
Date	May 7, 2019
Book Page	003629/002936
Instrument	7097

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	May 6, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 518 N State St was $9,691, up 5.1% from the year before.

Source: Merrimack County and Concord City assessment roll, as of April 30, 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	$9,691.00 (+5.13%)	$332,900 (-) Land $93,600 Building $239,300
2024	$9,218.00 (+3.09%)	$332,900 (-) Land $93,600 Building $239,300
2023	$8,942.00 (+3.75%)	$332,900 (-) Land $93,600 Building $239,300	$358,055
2022	$8,619.00	$332,900 Land $93,600 Building $239,300

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

Flood

FEMA maps place 518 N State St in Zone X, an area of minimal flood risk.

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 Policies	3 in force

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 518 N State 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CONCORD WATER DEPT serves 44,215 people · EPA ID NH0501010
Water Source	Surface water
Last State Inspection	Apr 2025
Lead	1 ppb (2021–2023) 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 152 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Fidium Fiber Fiber	2,000 / 2,000
Xfinity Cable	2,000 / 250
Breezeline Fiber · Cable in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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