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Single Family ResidenceResidential
$578,699$219 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 90How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026

38 CROSS ST

CONCORD, NH 03303
4
Beds
3.5
Baths
2,645 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.35 ac
Lot SizeThe size of the land the home sits on, from county records.
1894
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
9
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$579K
$520K low$638K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$11,377 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$370,100 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$93,800
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$276,300
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$339,400
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$632,795

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.19
63
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
10
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
25
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.29 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.6%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.0.2 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Conventional
CountyMERRIMACK
Lot (acres)The size of the land the home sits on, from county records.0.35
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Steam
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
Merrimack Valley Middle SchoolC
Middle · Grades 6–8 · 0.4 mi
H
Merrimack Valley High SchoolC-
High · Grades 9–12 · 0.4 mi
E
Penacook Elementary SchoolD+
Elementary · Grades PK–5 · 0.7 mi

District: Merrimack Valley School District

Neighborhood · ZIP 03303These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.111
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.85
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.109

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.95%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.22%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.8.4%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.7%
PopulationHow many people live in this area.15,724
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.230 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$81,357
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$98,728
Average tempThe average temperature here across a full year.45°F
Annual precipHow much rain and melted snow falls here in a typical year.45 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.54%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

38 Cross St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 86% of homes in Penacook
  • Costs less per square foot than 94% of homes in Penacook
  • Bigger than 94% of homes in Penacook
  • Has a smaller lot than 77% of homes in Merrimack County
  • Older than 91% of homes in Concord 03303

What homes are worth in Concord 03303

Each bar is how many homes fall in that price range. The marker is this home.

This home
$233K$800K

This home is worth more than 86% of homes in Concord 03303.

How it measures up in Concord 03303

The dot is this home. The mark in the middle is the typical home in Concord 03303.

Estimated value$578,699
CheaperTypical $436,824Pricier

Pricier than 86% of homes nearby

Price per ft²$219
CheaperTypical $285Pricier

Pricier than 12% of homes nearby

Living area2,645 ft²
SmallerTypical 1,411 ft²Bigger

Bigger than 91% of homes nearby

Lot size0.35 ac
SmallerTypical 0.75 acBigger

Bigger than 33% of homes nearby

Year built1894
OlderTypical 1986Newer

Newer than 9% of homes nearby

How 38 Cross St ranks against every home in each area.
MeasureThis homePenacookConcord 03303Merrimack County
Estimated valuepricier than$578,69986% of homes86% of homes67% of homes
Price per ft²pricier than$2196% of homes12% of homes18% of homes
Living areabigger than2,645 ft²94% of homes91% of homes81% of homes
Lot sizebigger than0.35 ac57% of homes33% of homes23% of homes
Year builtnewer than189412% of homes9% of homes10% of homes

About 38 Cross St

How much is 38 Cross St, Concord, NH worth?

The TopHap Estimate for 38 Cross St, Concord, NH is $578,699 as of Sep 24, 2026. The likely range is $519,756 to $637,642. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 38 Cross St, Concord, NH last sell?

38 Cross St, Concord, NH last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 38 Cross St, Concord, NH?

38 Cross St, Concord, NH has 4 bedrooms, 3.5 bathrooms, 2,645 square feet of living space and a 0.35-acre lot.

When was 38 Cross St, Concord, NH built?

38 Cross St, Concord, NH was built in 1894, making it 132 years old. It is a conventional home. The building has 2 stories.

What schools serve 38 Cross St, Concord, NH?

38 Cross St, Concord, NH is assigned to Merrimack Valley Middle School (middle), rated C; Merrimack Valley High School (high), rated C-; Penacook Elementary School (elementary), rated D+. All sit in Merrimack Valley School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 38 Cross St, Concord, NH compare to other homes in Concord 03303?

Among the 5,771 homes in Concord 03303, it is worth more than 86% of them ($578,699 against a typical $436,824), its price per square foot is higher than 12% of them ($219 against a typical $285), it is bigger than 91% of them (2,645 ft² against a typical 1,411 ft²), its lot is bigger than 33% of them (0.35 ac against a typical 0.75 ac) and it is newer than 9% of them (1894 against a typical 1986). Measured against all of Merrimack County, it is worth more than 67% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 38 Cross St, Concord, NH?

The 2025 property tax bill for 38 Cross St, Concord, NH was $11,377. The county assessed it at $370,100.

More homes on Cross St

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Assigned schools

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