520 N State St, Concord, NH 03301 Property Records

Merrimack County and Concord City property record for 520 N State St, Concord, NH 03301

Property Summary

Property Type	Duplex
Details	5 bd · 2 ba · 2,400 sqft · built 1900
Lot Size	0.54 acres (23,522 sqft)
Owner	Company Name on Record
Tax Bill	$9,298 (2025)
Deeds & Mortgages	Nov 2020 Line of Credit Mar 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:392-Z B:71`

Property Details

APN / Parcel Number

Primary APN	`M:392-Z B:71`
Alternative APN	`CNCD M:392Z B:71`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	11 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,400 sqft Living Area
Gross Area	4,904 sqft
1st Floor Area	1,260 sqft
Attic	Attic
Attic Area	660 sqft
Basement Area	1,420 sqft
Unfinished Basement	1,420 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	23,522 sqft (0.54 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Street Address	520 N STATE ST
City	CONCORD
State	NH
Zip	03301-3237
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	RN
Legal Block	71
Jurisdiction	CONCORD CITY NH
Township / Civil Division	CONCORD
Census Block Group	1
Census Block	1000
Census Tract	44300

Owner

Source: Merrimack County and Concord City 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	Company Name on Record
Mailing Address	2 PALOMINO CT, CONCORD, NH 03301-7918
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Nov 23, 2020	Deed of Trust, Mortgage · Line of Credit MERRIMACK CNTY SVGS BK
Mar 11, 2019	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE EQUITY PTRS
Feb 1, 2019	Correction Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD CITY NH
Property Address	520 N STATE ST, CONCORD, NH 03301-3237
Document Number	0037091601
Instrument Date	Nov 23, 2020
Transaction Type	Mortgage
Record Updated	Dec 4, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2 PALOMINO CT CONCORD NH 033017918, CONCORD, NH 03301-7918

Mortgage

Document Number	0037091601
Date	Nov 24, 2020
Book Page	003709/001601
Instrument	26931

Lender

Name	MERRIMACK CNTY SVGS BK
Type	Federal Savings Bank
Address	CONCORD, NH 03302-2826

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD CITY NH
Property Address	520 N STATE ST, CONCORD, NH 03301-3237
Document Number	0036242591
Instrument Date	Mar 11, 2019
Transaction Type	Mortgage
Record Updated	Mar 28, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 N STATE ST CONCORD NH 033013237, CONCORD, NH 03301-3237

Mortgage

Document Number	0036242591
Date	Mar 15, 2019
Book Page	003624/002591
Instrument	3758

Lender

Name	MORTGAGE EQUITY PTRS
Type	Mortgage Company
Address	LYNNFIELD, MA 01940

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 14, 2049

February 2019: Correction Deed, Transfer

Document Type	Correction Deed
Jurisdiction	CONCORD CITY NH
Recording Date	Feb 1, 2019
Property Address	520 N STATE ST, CONCORD, NH 03301-3237
Document Number	0036211560
Book / Page	003621 / 001560
Instrument Date	Jan 31, 2018
Instrument	1566
Transaction Type	Transfer
Record Updated	Feb 11, 2019

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	522 N STATE ST CONCORD NH 033013237, CONCORD, NH 03301-3237

Tax Assessment & Valuation

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
2025	$9,298.00 (+8.38%)	$319,400 (-) Land $98,800 Building $220,600
2023	$8,579.00 (+3.75%)	$319,400 (-) Land $98,800 Building $220,600
2022	$8,269.00	$319,400 Land $98,800 Building $220,600

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 · 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	1 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

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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