632 Central St, Franklin, NH 03235 Property Records

Merrimack County and Franklin City property record for 632 Central St, Franklin, NH 03235

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,876 sqft · built 1908
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on File
Last Sale	$430,000 (Jun 2026)
Tax Bill	$7,212 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Aug 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`FRKN M:134 B:073 L`

Property Details

APN / Parcel Number

Primary APN	`FRKN M:134 B:073 L`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	3 Stories
Building Area	2,876 sqft Living Area
Gross Area	4,913 sqft
1st Floor Area	2,327 sqft
Attic	Attic
Attic Area	1,054 sqft
Basement Area	1,070 sqft
Unfinished Basement	1,070 sqft

Exterior

Year Built	Built 1908
Effective Year Built	Effective 1908
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Lot Area	7,405 sqft (0.17 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	632 CENTRAL ST
City	FRANKLIN
State	NH
Zip	03235-2009
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3W&S
Legal Block	73
Jurisdiction	FRANKLIN CITY NH
Township / Civil Division	FRANKLIN
Census Block Group	3
Census Block	3015
Census Tract	43002

Owner

Source: Merrimack County and Franklin City assessment roll, as of April 30, 2026

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

Owner of Record	Individual Name on File
Mailing Address	632 CENTRAL ST, FRANKLIN, NH 03235-2009
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Jun 2, 2026	Warranty Deed, Transfer · Stand-Alone First Mortgage AMERICAN FINANCIAL NETWORK
Aug 9, 2019	Quit Claim Deed, Mortgage · Conventional with PMI WATERSTONE MTG
Jun 21, 2018	Deed of Trust, Mortgage WATERSTONE MTG

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 2, 2026 · Amount on Record
Deed Sale	Jun 2, 2026 · Amount on Record
Prior Sale	Jun 22, 2018 · Amount on Record
Deed Document Number	20268751
Deed Book / Page	3931 / 2677
Record Updated	Sep 20, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN CITY NH
Recording Date	Jun 2, 2026
Property Address	632 CENTRAL ST, FRANKLIN, NH 03235-2009
Document Number	0000008751
Book / Page	3931 / 2677
Instrument Date	Jun 1, 2026
Instrument	20268751
Transaction Type	Transfer
Record Updated	Jul 28, 2026

Transaction

Amount	Amount Recorded
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
Address	632 CENTRAL ST, FRANKLIN, NH 03235-2009

Mortgage

Date	Jun 2, 2026

Lender

Name	AMERICAN FINANCIAL NETWORK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.3%
Max Rate	-1%

August 2019: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	FRANKLIN CITY NH
Recording Date	Aug 9, 2019
Property Address	632 CENTRAL ST, FRANKLIN, NH 03235-2009
Document Number	0036412211
Book / Page	003641 / 002211
Instrument Date	Aug 2, 2019
Instrument	13953
Transaction Type	Mortgage
Record Updated	Aug 21, 2019
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	632 CENTRAL ST FRANKLIN NH 032352009, FRANKLIN, NH 03235-2009

Mortgage

Document Number	36412213
Date	Aug 9, 2019
Book Page	003641/002213
Instrument	13954

Lender

Name	WATERSTONE MTG
Type	Mortgage Company
Address	PEWAUKEE, WI 53072

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 8, 2049

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN CITY NH
Property Address	632 CENTRAL ST, FRANKLIN, NH 03235-2009
Document Number	0035980600
Instrument Date	Jun 21, 2018
Transaction Type	Mortgage
Record Updated	Jul 6, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	632 CENTRAL ST FRANKLIN NH 032352009, FRANKLIN, NH 03235-2009

Mortgage

Document Number	0035980600
Date	Jun 22, 2018
Book Page	003598/000600
Instrument	10410

Lender

Name	WATERSTONE MTG
Type	Mortgage Company
Address	PEWAUKEE, WI 53072

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 21, 2048

Tax Assessment & Valuation

Source: Merrimack County and Franklin City assessment roll, as of April 30, 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	Assessed Market Value
2025	$7,212.00 (+2.79%)	$409,100 (-) Land $73,800 Building $335,300
2024	$7,016.00 (+19.32%)	$409,100 (+69.68%) Land $73,800 Building $335,300
2023			$365,940
2022	$5,880.00	$241,100 Land $59,600 Building $181,500

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

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 Claims	2 (2014)
Claims Outside the SFHA	2 of 2
Most Recent Claim	May 2014 · other causes

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

Provider	Max Down / Up (Mbps)
Xfinity Fiber	2,000 / 2,000
Breezeline Fiber · Cable in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Fidium Fiber.

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