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Single Family ResidenceResidential
$359,263$356 / 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

645 ROUTE 103

SUNAPEE, NH 03782
2
Beds
1
Baths
1,008 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.
0.75 ac
Lot SizeThe size of the land the home sits on, from county records.
1983
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
4
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$359K
$330K low$389K 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.$208,063
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$166,450
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.47%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$131,200
CHASE MANHATTAN BANK · recorded May 13, 2005
2nd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$20,000
NEW HAMPSHIRE COMMUNITY FCU

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,440 (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.$231,300 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$137,800
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$93,500
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$130,800

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.32
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
8
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
52
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.
9
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.Ranch
CountySULLIVAN
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.1996
Lot (acres)The size of the land the home sits on, from county records.0.75
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Radiant
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(2)

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
Sunapee Senior High SchoolA+
High · Grades 9–12 · 3.0 mi
M
Sunapee Middle High SchoolC+
Middle · Grades 6–8 · 3.0 mi
E
Sunapee Central SchoolA-
Elementary · Grades KG–5 · 3.1 mi

District: Sunapee School District

Neighborhood · ZIP 03782These 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.134
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.84
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.93

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.58%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.18%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.13%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.8%
PopulationHow many people live in this area.3,441
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.134 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$102,749
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$113,702
Average tempThe average temperature here across a full year.45°F
Annual precipHow much rain and melted snow falls here in a typical year.42 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.Absentee owner
Company ownedWhether the owner is a company or trust rather than a person.Yes

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

645 Route 103 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 95% of homes in Sunapee 03782
  • Costs more per square foot than 87% of homes in Sullivan County
  • Smaller than 91% of homes in Sunapee 03782

What homes are worth in Sunapee 03782

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

This home
$309K$4.7M

This home is worth more than 5% of homes in Sunapee 03782.

How it measures up in Sunapee 03782

The dot is this home. The mark in the middle is the typical home in Sunapee 03782.

Estimated value$359,263
CheaperTypical $709,415Pricier

Pricier than 5% of homes nearby

Price per ft²$356
CheaperTypical $374Pricier

Pricier than 48% of homes nearby

Living area1,008 ft²
SmallerTypical 2,130 ft²Bigger

Bigger than 9% of homes nearby

Lot size0.75 ac
SmallerTypical 1 acBigger

Bigger than 43% of homes nearby

Year built1983
OlderTypical 1980Newer

Newer than 54% of homes nearby

How 645 Route 103 ranks against every home in each area.
MeasureThis homeSunapee 03782Sullivan County
Estimated valuepricier than$359,2635% of homes46% of homes
Price per ft²pricier than$35648% of homes87% of homes
Living areabigger than1,008 ft²9% of homes18% of homes
Lot sizebigger than0.75 ac43% of homes36% of homes
Year builtnewer than198354% of homes61% of homes

About 645 Route 103

How much is 645 Route 103, Sunapee, NH worth?

The TopHap Estimate for 645 Route 103, Sunapee, NH is $359,263 as of Jul 14, 2026. The likely range is $329,903 to $388,623. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 645 Route 103, Sunapee, NH last sell?

645 Route 103, Sunapee, NH last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 645 Route 103, Sunapee, NH?

645 Route 103, Sunapee, NH has 2 bedrooms, 1 bathrooms, 1,008 square feet of living space and a 0.75-acre lot.

When was 645 Route 103, Sunapee, NH built?

645 Route 103, Sunapee, NH was built in 1983, making it 43 years old. It is a ranch home. The building has 1 story.

What schools serve 645 Route 103, Sunapee, NH?

645 Route 103, Sunapee, NH is assigned to Sunapee Senior High School (high), rated A+; Sunapee Middle High School (middle), rated C+; Sunapee Central School (elementary), rated A-. All sit in Sunapee School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 645 Route 103, Sunapee, NH compare to other homes in Sunapee 03782?

Among the 2,268 homes in Sunapee 03782, it is worth more than 5% of them ($359,263 against a typical $709,415), its price per square foot is higher than 48% of them ($356 against a typical $374), it is bigger than 9% of them (1,008 ft² against a typical 2,130 ft²), its lot is bigger than 43% of them (0.75 ac against a typical 1 ac) and it is newer than 54% of them (1983 against a typical 1980). Measured against all of Sullivan County, it is worth more than 46% 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 645 Route 103, Sunapee, NH?

The 2025 property tax bill for 645 Route 103, Sunapee, NH was $2,440. The county assessed it at $231,300.

Closest homes

More homes in Sunapee 03782

Assigned schools

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