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Single Family ResidenceResidential
$367,496$255 / 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 96How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026
Last sold for $290,000 on Nov 29, 2021

45 CHARLES ST

PENACOOK, NH 03303
3
Beds
1
Baths
1,443 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.
0.19 ac
Lot SizeThe size of the land the home sits on, from county records.
1910
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
6
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$367K
$352K low$383K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$290,000 · Nov 29, 2021

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$7,055 (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.$229,500 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$90,300
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$139,200
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$366,795

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.26
90
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.
33
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.127 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
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.1 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.0.19
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Hot Water
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(8)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

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

H
Merrimack Valley High SchoolC-
High · Grades 9–12 · 0.6 mi
M
Merrimack Valley Middle SchoolC
Middle · Grades 6–8 · 0.7 mi
E
Penacook Elementary SchoolD+
Elementary · Grades PK–5 · 0.9 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

45 Charles 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 less than 79% of homes in Merrimack County
  • Costs less per square foot than 82% of homes in Penacook
  • Smaller than 66% of homes in Merrimack County
  • Has a smaller lot than 90% of homes in Merrimack County
  • Older than 87% 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
$232K$764K

This home is worth more than 29% 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$367,496
CheaperTypical $425,349Pricier

Pricier than 29% of homes nearby

Price per ft²$255
CheaperTypical $279Pricier

Pricier than 30% of homes nearby

Living area1,443 ft²
SmallerTypical 1,410 ft²Bigger

Bigger than 52% of homes nearby

Lot size0.19 ac
SmallerTypical 0.75 acBigger

Bigger than 11% of homes nearby

Year built1910
OlderTypical 1986Newer

Newer than 13% of homes nearby

How 45 Charles St ranks against every home in each area.
MeasureThis homePenacookConcord 03303Merrimack County
Estimated valuepricier than$367,49635% of homes29% of homes21% of homes
Price per ft²pricier than$25518% of homes30% of homes40% of homes
Living areabigger than1,443 ft²52% of homes52% of homes34% of homes
Lot sizebigger than0.19 ac20% of homes11% of homes10% of homes
Year builtnewer than191021% of homes13% of homes15% of homes

About 45 Charles St

How much is 45 Charles St, Penacook, NH worth?

The TopHap Estimate for 45 Charles St, Penacook, NH is $367,496 as of Aug 30, 2026. The likely range is $352,013 to $382,979. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 45 Charles St, Penacook, NH last sell?

45 Charles St, Penacook, NH last sold on Nov 29, 2021 for $290,000, according to the county's recorded deed. TopHap holds 7 recorded sales for this parcel.

How big is 45 Charles St, Penacook, NH?

45 Charles St, Penacook, NH has 3 bedrooms, 1 bathrooms, 1,443 square feet of living space and a 0.19-acre lot.

When was 45 Charles St, Penacook, NH built?

45 Charles St, Penacook, NH was built in 1910, making it 116 years old. It is a conventional home. The building has 2 stories.

What schools serve 45 Charles St, Penacook, NH?

45 Charles St, Penacook, NH is assigned to Merrimack Valley High School (high), rated C-; Merrimack Valley Middle School (middle), 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 45 Charles St, Penacook, NH compare to other homes in Concord 03303?

Among the 5,771 homes in Concord 03303, it is worth more than 29% of them ($367,496 against a typical $425,349), its price per square foot is higher than 30% of them ($255 against a typical $279), it is bigger than 52% of them (1,443 ft² against a typical 1,410 ft²), its lot is bigger than 11% of them (0.19 ac against a typical 0.75 ac) and it is newer than 13% of them (1910 against a typical 1986). Measured against all of Merrimack County, it is worth more than 21% 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 45 Charles St, Penacook, NH?

The 2025 property tax bill for 45 Charles St, Penacook, NH was $7,055. The county assessed it at $229,500.

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