531 N State St, Concord, NH 03301 Property Records

Merrimack County and Concord City property record for 531 N State St, Concord, NH 03301

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,158 sqft · built 1994
Lot Size	0.32 acres (13,939 sqft)
Owner	2 Individual Names on File
Last Sale	$214,000 (Oct 2016)
Tax Bill	$8,905 (2025)
Deeds & Mortgages	Sep 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:392-Z B:15`

Property Details

APN / Parcel Number

Primary APN	`M:392-Z B:15`
Alternative APN	`CNCD M:392Z B:15`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,158 sqft Living Area
Gross Area	2,582 sqft
1st Floor Area	1,158 sqft
Basement Area	828 sqft
Unfinished Basement	268 sqft

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Raised Ranch
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,939 sqft (0.32 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	531 N STATE ST
City	CONCORD
State	NH
Zip	03301-3231
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RN
Legal Block	15
Jurisdiction	CONCORD CITY NH
Township / Civil Division	CONCORD
Census Block Group	2
Census Block	2003
Census Tract	32600

Owner

531 N State St is owned and occupied by two individuals who bought it in October 2016.

Source: Merrimack County and Concord City records, as of July 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	531 N STATE ST, CONCORD, NH 03301-3231
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 12, 2016 · Amount on File
Deed Sale	Oct 12, 2016 · Amount on File
Prior Sale	Jun 23, 2010 · Amount on File
Deed Document Number	201618812
Deed Book / Page	3533 / 1194
Record Updated	Oct 29, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD CITY NH
Property Address	531 N STATE ST, CONCORD, NH 03301-3231
Document Number	0036490477
Instrument Date	Sep 26, 2019
Transaction Type	Mortgage
Record Updated	Oct 16, 2019
Title Company	RED DOOR TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	531 N STATE ST CONCORD NH 033013231, CONCORD, NH 03301-3231

Mortgage

Document Number	0036490477
Date	Oct 2, 2019
Book Page	003649/000477
Instrument	18170

Lender

Name	NEW HAMPSHIRE FCU
Type	Credit Union
Address	CONCORD, NH 03301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 1, 2034

Tax Assessment & Valuation

The 2025 property tax bill for 531 N State St was $8,905.

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	$8,905.00	$305,900 Land $94,700 Building $211,200
2023	$8,216.00 (+3.74%)	$305,900 (-) Land $94,700 Building $211,200	$333,165
2022	$7,920.00	$305,900 Land $94,700 Building $211,200

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

Flood

FEMA maps place 531 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	2 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 531 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	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	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 332 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Breezeline, Fidium Fiber, Verizon.

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