641 Central St, Franklin, NH 03235 Property Records

Merrimack County and Franklin City property record for 641 Central St, Franklin, NH 03235

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,483 sqft · built 1935
Lot Size	0.13 acres (5,663 sqft)
Owner	2 Individual Names on Record
Last Sale	$176,000 (Apr 2021)
Tax Bill	$4,325 (2025)
Deeds & Mortgages	May 2025 Line of Credit Apr 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`FRKN M:134 B:253 L`

Property Details

APN / Parcel Number

Primary APN	`FRKN M:134 B:253 L`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,483 sqft Living Area
Gross Area	2,370 sqft
1st Floor Area	1,296 sqft
Basement Area	792 sqft
Unfinished Basement	792 sqft

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1935
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,663 sqft (0.13 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	641 CENTRAL ST
City	FRANKLIN
State	NH
Zip	03235-2022
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3W&S
Legal Block	253
Jurisdiction	FRANKLIN CITY NH
Township / Civil Division	FRANKLIN
Census Block Group	3
Census Block	3004
Census Tract	43001

Owner

Source: Merrimack County and Franklin 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	2 Individual Names on Record
Mailing Address	641 CENTRAL ST, FRANKLIN, NH 03235-2022
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 5, 2025	Deed of Trust, Mortgage · Line of Credit DIGITAL FCU
Apr 8, 2021	Deed of Trust, Mortgage · Second Mortgage (Down Payment) NHFA
Jun 28, 2021	Deed of Trust, Mortgage · Second Mortgage (Down Payment) NHFA
Apr 1, 2021	Warranty Deed, Transfer · FHA Mortgage RESIDENTIAL MORTGAGE SERVICES

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 1, 2021 · Amount on Record
Deed Sale	Apr 1, 2021 · Amount on Record
Prior Sale	Jun 23, 2014 · Amount on Record
Deed Document Number	20218488
Deed Book / Page	3731 / 2062
Record Updated	Sep 20, 2026

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN CITY NH
Property Address	641 CENTRAL ST, FRANKLIN, NH 03235-2022
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006207
Date	May 5, 2025
Book Page	3888/2144
Instrument	202500006207

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	481 Months
Due	Jun 1, 2065

Interest

Rate Type	Adjustable Rate

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN CITY NH
Property Address	641 CENTRAL ST, FRANKLIN, NH 03235-2022
Transaction Type	Mortgage
Record Updated	Aug 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009126
Date	Apr 8, 2021
Book Page	3732/2300
Instrument	202100009126

Lender

Name	NHFA

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	49 Months
Due	May 1, 2025

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN CITY NH
Property Address	641 CENTRAL ST, FRANKLIN, NH 03235-2022
Transaction Type	Mortgage
Record Updated	Aug 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000016638
Date	Jun 28, 2021
Book Page	3746/489
Instrument	202100016638

Lender

Name	NHFA

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	49 Months
Due	Jul 1, 2025

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN CITY NH
Recording Date	Apr 1, 2021
Property Address	641 CENTRAL ST, FRANKLIN, NH 03235-2022
Document Number	202100008488
Book / Page	3731 / 2062
Instrument Date	Mar 31, 2021
Instrument	202100008488
Transaction Type	Transfer
Record Updated	Jun 29, 2021

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	73 LOCK ST, NASHUA, NH 03064-2841

Mortgage

Document Number	0000008489
Date	Apr 1, 2021
Book Page	3731/2064
Instrument	202100008489

Lender

Name	RESIDENTIAL MORTGAGE SERVICES
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

Tax Assessment & Valuation

Source: Merrimack County and Franklin City assessment roll, as of July 28, 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	$4,325.00 (+21.45%)	$245,300 (+68.01%) Land $68,500 Building $176,800
2023			$232,940
2022	$3,561.00	$146,000 Land $55,000 Building $91,000

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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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