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Single Family ResidenceResidential
$366,035$185 / 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 92How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026

45 MERRIMACK ST

PENACOOK, NH 03303
5
Beds
1
Baths
1,980 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.
0.25 ac
Lot SizeThe size of the land the home sits on, from county records.
1850
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
8
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$366K
$336K low$396K high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$366,035
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$292,828

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$6,873 (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.$223,600 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$91,300
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$132,300
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$326,040

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.37
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
5
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
56
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
94
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
33
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
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.minimal

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.0.25
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Steam
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

Transaction History(3)

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.

M
Merrimack Valley Middle SchoolC
Middle · Grades 6–8 · 0.6 mi
H
Merrimack Valley High SchoolC-
High · Grades 9–12 · 0.6 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.15,710
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.$81,368
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$98,736
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%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

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 Merrimack 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 76% of homes in Merrimack County
  • Costs less per square foot than 96% of homes in Penacook
  • Bigger than 82% of homes in Penacook
  • Has a smaller lot than 84% of homes in Merrimack County
  • Older than 96% of homes in Penacook

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
$209K$744K

This home is worth more than 35% 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$366,035
CheaperTypical $401,979Pricier

Pricier than 35% of homes nearby

Price per ft²$185
CheaperTypical $260Pricier

Pricier than 7% of homes nearby

Living area1,980 ft²
SmallerTypical 1,416 ft²Bigger

Bigger than 76% of homes nearby

Lot size0.25 ac
SmallerTypical 0.76 acBigger

Bigger than 19% of homes nearby

Year built1850
OlderTypical 1986Newer

Newer than 5% of homes nearby

How 45 Merrimack St ranks against every home in each area.
MeasureThis homePenacookConcord 03303Merrimack County
Estimated valuepricier than$366,03549% of homes35% of homes24% of homes
Price per ft²pricier than$1854% of homes7% of homes10% of homes
Living areabigger than1,980 ft²82% of homes76% of homes60% of homes
Lot sizebigger than0.25 ac32% of homes19% of homes16% of homes
Year builtnewer than18504% of homes5% of homes5% of homes

About 45 Merrimack St

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

The TopHap Estimate for 45 Merrimack St, Penacook, NH is $366,035 as of Jul 14, 2026. The likely range is $336,153 to $395,917. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

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

45 Merrimack St, Penacook, NH last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 45 Merrimack St, Penacook, NH?

45 Merrimack St, Penacook, NH has 5 bedrooms, 1 bathrooms, 1,980 square feet of living space and a 0.25-acre lot.

When was 45 Merrimack St, Penacook, NH built?

45 Merrimack St, Penacook, NH was built in 1850, making it 176 years old. It is a conventional home. The building has 2 stories.

What schools serve 45 Merrimack St, Penacook, NH?

45 Merrimack St, Penacook, 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 45 Merrimack St, Penacook, NH compare to other homes in Concord 03303?

Among the 5,771 homes in Concord 03303, it is worth more than 35% of them ($366,035 against a typical $401,979), its price per square foot is higher than 7% of them ($185 against a typical $260), it is bigger than 76% of them (1,980 ft² against a typical 1,416 ft²), its lot is bigger than 19% of them (0.25 ac against a typical 0.76 ac) and it is newer than 5% of them (1850 against a typical 1986). Measured against all of Merrimack County, it is worth more than 24% 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 Merrimack St, Penacook, NH?

The 2025 property tax bill for 45 Merrimack St, Penacook, NH was $6,873. The county assessed it at $223,600.

Closest homes

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Assigned schools

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