85 Franklin St, Concord, NH 03301 Property Records

Merrimack County and Concord City property record for 85 Franklin St, Concord, NH 03301

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,728 sqft · built 1840
Lot Size	0.34 acres (14,810 sqft)
Owner	Individual Name on File
Last Sale	$115,000 (May 1998)
Tax Bill	$7,438 (2025)
Deeds & Mortgages	Feb 2018 Line of Credit Feb 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`CNCD M:6531Z B:52`

Property Details

APN / Parcel Number

Primary APN	`CNCD M:6531Z B:52`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,728 sqft Living Area
Gross Area	3,636 sqft
1st Floor Area	1,044 sqft
Attic	Attic
Attic Area	684 sqft
Basement Area	684 sqft
Unfinished Basement	684 sqft

Exterior

Year Built	Built 1840
Effective Year Built	Effective 1840
Architectural Style	Conventional
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,810 sqft (0.34 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	85 FRANKLIN ST
City	CONCORD
State	NH
Zip	03301-4104
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RN
Legal Block	52
Legal Lot Number	20
Jurisdiction	CONCORD CITY NH
Township / Civil Division	CONCORD
Census Block Group	2
Census Block	2006
Census Tract	32400

Owner

85 Franklin St is owned and occupied by an individual who bought it in May 1998.

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

Owner of Record	Individual Name on File
Mailing Address	85 FRANKLIN ST, CONCORD, NH 03301-4104
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

Date	Document
Feb 7, 2018	Deed of Trust, Mortgage · Line of Credit SANTANDER BK NA
Feb 7, 2017	Deed of Trust, Mortgage · Line of Credit SANTANDER BK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 19, 1998 · Amount on File
Deed Sale	May 19, 1998 · Amount on File
Deed Book / Page	2099 / 1790
Record Updated	Sep 20, 2026

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD CITY NH
Property Address	85 FRANKLIN ST, CONCORD, NH 03301-4104
Document Number	0035861990
Instrument Date	Feb 7, 2018
Transaction Type	Mortgage
Record Updated	Mar 16, 2018
Title Company	AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85 FRANKLIN ST CONCORD NH 033014104, CONCORD, NH 03301-4104

Mortgage

Document Number	0035861990
Date	Feb 26, 2018
Book Page	003586/001990
Instrument	2926

Lender

Name	SANTANDER BK NA
Type	Bank
Address	READING, PA 19602

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Feb 25, 2048

Interest

Rate Type	Adjustable Rate

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD CITY NH
Property Address	85 FRANKLIN ST, CONCORD, NH 03301-4104
Document Number	0035470218
Book / Page	003547 / 000218
Instrument Date	Feb 7, 2017
Transaction Type	Mortgage
Record Updated	Feb 28, 2017
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85 FRANKLIN ST CONCORD NH 033014104, CONCORD, NH 03301-4104

Mortgage

Document Number	0035470218
Date	Feb 15, 2017
Book Page	003547/000218
Instrument	2732

Lender

Name	SANTANDER BK NA
Type	Bank
Address	READING, PA 19602

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Feb 14, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 85 Franklin St was $7,438.

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	$7,438.00	$255,500 Land $115,400 Building $140,100
2023	$8,133.00 (+3.75%)	$302,800 (-) Land $115,400 Building $187,400	$400,140
2022	$7,839.00	$302,800 Land $115,400 Building $187,400

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

Flood

FEMA maps place 85 Franklin St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 85 Franklin 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
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	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 408 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
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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