54 Water St, Epping, NH 03042 Property Records

Rockingham County and Epping Town property record for 54 Water St, Epping, NH 03042

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,410 sqft · built 1897
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Individual Names on Record
Last Sale	$334,000 (Jun 2021)
Tax Bill	$6,783 (2025)
Deeds & Mortgages	May 2026 Second Mortgage Aug 2024 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`EPPI M:029 B:164`

Property Details

APN / Parcel Number

Primary APN	`EPPI M:029 B:164`
Alternative APN	`1088`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,410 sqft Living Area
Gross Area	4,031 sqft
1st Floor Area	816 sqft
Attic	Attic
Attic Area	792 sqft
Basement Area	816 sqft
Unfinished Basement	816 sqft

Exterior

Year Built	Built 1897
Effective Year Built	Effective 1897
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Metal
Lot Area	11,761 sqft (0.27 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	1088
Street Address	54 WATER ST
City	EPPING
State	NH
Zip	03042-2448
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES/CM
Legal Block	164
Jurisdiction	EPPING TOWN NH
Township / Civil Division	EPPING
Census Block Group	3
Census Block	3050
Census Tract	59000

Owner

Source: Rockingham County and Epping Town 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	2 Individual Names on Record
Mailing Address	54 WATER ST, EPPING, NH 03042-2448
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 8, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage KIND LENDING LLC
Aug 30, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance FIGURE LENDING LCC
Jun 30, 2021	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Jun 15, 2017	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 30, 2021 · Amount on Record
Deed Sale	Jun 30, 2021 · Amount on Record
Prior Sale	Jun 15, 2017 · Amount on Record
Deed Document Number	20212496
Deed Book / Page	6297 / 2620
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EPPING TOWN NH
Recording Date	May 8, 2026
Property Address	54 WATER ST, EPPING, NH 03042-2448
Document Number	0000016185
Book / Page	6704 / 875
Instrument Date	Apr 29, 2026
Instrument	202616185
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	54 WATER ST, EPPING, NH 03042-2448

Mortgage

Document Number	006704-875,
Date	May 8, 2026
Book Page	6704/875
Instrument	202616185

Lender

Name	KIND LENDING LLC

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jun 1, 2046

Interest

Rate	6.46%
Max Rate	-1%

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EPPING TOWN NH
Property Address	54 WATER ST, EPPING, NH 03042-2448
Transaction Type	Mortgage
Record Updated	Apr 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	006569-861
Date	Aug 30, 2024
Book Page	6569/861
Instrument	24025911

Lender

Name	FIGURE LENDING LCC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EPPING TOWN NH
Recording Date	Jun 30, 2021
Property Address	54 WATER ST, EPPING, NH 03042-2448
Document Number	06297-2620
Book / Page	6297 / 2620
Instrument Date	Jun 30, 2021
Instrument	21042496
Transaction Type	Transfer
Record Updated	Apr 9, 2026

Transaction

Amount	Amount Recorded
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	9 CLINTON ST, HAVERHILL, MA 01830-5980

Mortgage

Document Number	0021042498
Date	Jun 30, 2021
Instrument	21042498

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

June 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	EPPING TOWN NH
Recording Date	Jun 15, 2017
Property Address	54 WATER ST, EPPING, NH 03042-2448
Document Number	0058270823
Book / Page	005827 / 000823
Instrument Date	May 31, 2017
Instrument	24384
Transaction Type	Foreclosure
Record Updated	Jun 23, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$3,784.00
Amount Accuracy	Confirmed
Additional	Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Association
Address	PO BOX 650043 DALLAS TX 752650043, DALLAS, TX 75265-0043
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Rockingham County and Epping Town assessment roll, as of July 28, 2026

Property Jurisdictions

Type	Name
State	New Hampshire
County	Rockingham County
County Subdivision	Epping Town
Unified School District	Epping School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$6,783.00 (-10.38%)	$452,200 (+50.73%) Land $211,800 Building $240,400
2024	$7,569.00 (+7.82%)	$300,000 (-) Land $91,300 Building $208,700
2023	$7,020.00 (+4.05%)	$300,000 (-) Land $91,300 Building $208,700
2022	$6,747.00	$300,000 Land $91,300 Building $208,700

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

Flood

Source: FEMA National Flood Hazard Layer, effective December 26, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	9 in force
Nearby Flood Claims	26 (1996–2011)
Claims Outside the SFHA	9 of 26
Most Recent Claim	Feb 2011 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Mar 2010 · 17 claims Fall Northeaster Rainstorm, Oct 1996 · 5 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

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
Adjoins Burnable Land	Yes

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	EPPING WATER AND SEWER DEPT serves 1,600 people · EPA ID NH0761010
Water Source	Groundwater
Last State Inspection	Oct 2024

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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 110 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Fidium Fiber Fiber	2,000 / 2,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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