The Registry Review: Sept. 5, 2022 by The Warren Group

REGISTRY REVIEW HAMPSHIRE’S STATEWIDE REAL ESTATE &

NEW

B: Garrett E Mikita Tr, Tr for Garrett E & Deborah L Mikita T S: Hopkinton Retreat LLC Mtg: JPMorgan Chase Bank $1,500,000 Use: 4 Bdrm Contemporary, Lot: 3049200sf REAL ESTATE RECORDS PG COUNTY TRANSACTIONS THRU 3 Belknap 08/19/22 3 Carroll 08/19/22 4 Cheshire 08/19/22 4 Coos 08/19/22 4 Grafton 08/19/22 5 Hillsborough 08/19/22 7 Merrimack 08/19/22 8 Rockingham 08/19/22 9 Strafford 08/19/22 10 Sullivan 08/19/22 10 Bankruptcies 11 Lien & Attachments 11 Foreclosure, Mortgagee & Other Lien Auctions 11 Requests for Bids & Proposals ofNumberSales Single-Family Sales By Month New Hampshire Market Statistics 1,0001,2001,4001,6001,800800600400 July 2017 2,016 10.34% July 2018 2,019 0.15% July 2019 1,918 -5% July 2020 1,773 -7.56% July 2021 1,464 -17.4% July 2022 1,326 -9.43% 1,2001,4001,6001,8002,0002,2002,400 q Statistics based on single-family home sales of $1,000 q Source: The Warren Group July July July July July July ’17 18 ’19 ’20 ’21 ’22 400 600 800 1000 1200 1400 1600 1800 MaJuneJulyApriyMalFerchDeJan.bNoc.AuSeptOct.v.Julyg. 1200 1400 1600 1800 2000 2200 2400 FeFeb.Feb.Feb.Feb.Feb.

Attempt to Adapt to Online Banking, Lending Stirs Controversy

A yearslong effort to modernize CRA now accounts for online banking and lending ac tivities, yet still keeps branch networks at the center of federal CRA examinations of whether banks are not discriminating in where they make their loans.

“The sheer amount of detail has been over whelming for our members, particularly com munity banks that are considered Large Banks for CRA purposes” with $2 billion in assets or more, the American Bankers Association said in a comment letter to federal regulators co-signed by NH Bankers, the state’s banking trade group. After the last attempt to update CRA ended with the three federal bank regulators failing to move forward together with a joint proposal, the FDIC, the Federal Reserve and the Office of the Comptroller of the Currency have devel oped new rules together.

BY DIANE MCLAUGHLIN Reform Could Bring Bigger Assessment Areas

Send submissions for consideration to editorial@thewarrengroup.com.WanttoseeyournewsfeaturedinafutureissueofTheRegistryReview?

A Publication of The Warren Group

July

For smaller banks, the proposed CRA changes should have little impact on how they define the geographical area that regulators will assess when determining whether they meet a community’s credit needs. But for larger banks, including those that offer online loans outside their branch networks, the proposed changes have raised concerns about the areas where they will be assessed for CRA activities.

Nashua

FINANCIAL NEWSPAPER

Even moderate-sized banks with more than 50 percent of their lending outside areas where they have branches will have their lending in those other areas considered as well.

Branches and ATMs Remain Essential

www.thewarrengroup.comVol.44, No.36

55 NORTHEASTERN BLVD $15,700,000 B: Southern NH Industrial Owner 3 LLC S: 1987 Tamposi LP Mtg: HarborOne Bank $76,373,000 Use: Mixed Use-prim Indust & Othr, Lot: 950479sf 486 AMHERST ST $12,500,000 B: Southern NH Industrial Owner 4 LLC S: Samuel A Tamposi Sr T & LJJ Realty LLC Mtg: HarborOne Bank $76,373,000 Use: Industrial Office Building, Lot: 353707sf Salem

The proposed changes would represent the first significant update to CRA since 1995, and have generated a range of other controversies and critiques from banking groups and com munity advocates alike. The foundation of CRA exams is a bank’s assessment area, currently defined by banks based on areas surrounding physical branches and ATMs that accept deposits. To prevent redlining, banks cannot “arbitrarily exclude low- or moderate-income Census tracts” from their assessment areas, according to current regulations, and the areas cannot reflect illegal discrimination.

REGISTRY REVIEW STAFF Continued on Page 12 REINVESTMENT REFORM CRA

The latest attempt to renovate the Com munity Reinvest ment Act could pose seri ous challenges for larger banks that have used on line lending to find busi ness over a wide area.

ofNumberSales PriorChangeYear WEEK OF MONDAY, SEPTEMBER 5,

1-7 MEISNER CIR $10,400,000 B: 333 One LLC S: SMG Rosewood LLC Nashua 85 NORTHWEST BLVD $9,900,000 B: Southern NH Industrial Owner 2 LLC S: Sat SR LP Portsmouth 1900 LAFAYETTE RD $9,819,866 B: HPIII Boston Portsmouth LLC S: Running Man Partners LLC Mtg: Primary Bank $10,725,000 Use: Mixed Use-prim Comm & Other, Lot: 173253sf Amherst 10 COLUMBIA DR $8,000,000 B: S NH Industrial Owner 1 S: Sat SR LP & Saminist Realty LLC Mtg: HarborOne Bank $76,373,000 Use: Manufacturing Building, Lot: 258746sf Nashua 4 TOWNSEND W $7,800,000 B: Southern NH Industrial Owner 4 LLC S: 4 Townsend West LLC Mtg: HarborOne Bank $76,373,000 Use: Commercial Warehouse, Lot: 239580sf 10 STATE ST $6,700,000 B: Southern NH Industrial Owner 1 LLC S: 1987 Tamposi LP Mtg: HarborOne Bank $76,373,000 Use: Industrial Warehouse, Lot: 196238sf Salem 18 HAMPSHIRE RD $5,400,000 B: Southern NH Industrial Owner 2 LLC S: 1987 Tamposi LP Mtg: HarborOne Bank $76,373,000 Londonderry 11 DELTA DR $4,525,000 B: Southern NH Industrial Owner 1 LLC S: Samuel A Tamposi Sr Tr, Tr for S A Tamposi Sr 1992 T Mtg: HarborOne Bank $76,373,000 Use: Industrial Warehouse, Lot: 129369sf Hopkinton 756 CLEMENT HILL RD $4,300,000 b. Aug. Sept. Oct. Nov. Dec. Jan. Feb. Mar. Apr. May June July ’21 ’22 2022

©2022 The Warren Group Inc. All rights reserved. No part of this publication may be reproduced without the written consent of the publisher. REGISTRY REVIEW2 SEPTEMBER 5, 2022 CarrollClose-UpCounty SALES VOLUME Community Change2021fromJan.-July2022 Change2021fromJan.-July2022 Albany $100,149 -60% 4 0% Bartlett $465,000 29% 24 -47% Brookfield $424,800 19% 7 40% Chatham N/A N/A N/A N/A Conway $387,767 19% 50 -24% Eaton N/A N/A N/A N/A Effingham $310,000 22% 11 -21% Freedom $364,933 6% 17 -6% Hales Location N/A N/A N/A N/A Harts Location N/A N/A N/A N/A Jackson $420,000 1% 9 -10% Madison $342,500 7% 22 -19% Moultonboro $634,500 1% 40 -20% Ossipee $280,000 13% 27 -52% Sandwich $355,000 0% 9 -18% Tamworth $325,000 1% 25 9% Tuftonboro $362,500 -19% 12 -43% Wakefield $310,000 17% 35 -35% Wolfeboro $459,933 26% 41 -13% Carroll County $375,000 15% 337 -26% MEDIAN SALES PRICE • Statistics based on single-family home sales of $1,000 and above, excluding condominiums and foreclosure deeds • Source: The Warren Group STATISTICAL SNAPSHOT TOP 10 EXISTING HOME SALES MEDIAN SALES PRICES SALE VOLUME TOP 3 LOAN ORIGINATORS BY THE NUMBERS SPOTLIGHT Albany YEAR INCORPORATED 1833 TOTAL AREA 75.8 square miles POPULATION 759 DENSITY 10 people per square mile TAX RATE $12.40 TOTAL NUMBER OF HOUSING UNITS 535 Albany’s Mount Chocorua is supposedly the most-photographed mountain in the Northeast. “It is believed that the association of the town’s name, Burton, with the curse and the cattle disease was the reason that, in 1833, the New Hampshire legislature was petitioned to approved the change of the Town’s name from Burton to Albany.” — From the Town of Albany Master Plan, 2014 $150,000$200,000$250,000$300,000$350,000$400,000$450,000 ’13 ’14 ’15 ’16 ’17 ’18 ’19 ’20 ’21 ’22 450000400000350000300000250000200000150000 2021202020192018201720162015201420132012 NewCarrollHampshire • All sales through July YTD • Graph based on single-family home sales of $1,000 and above, excluding condominiums and foreclosure deeds • Source: The Warren Group Rankings and Mortgage Market Share stats include purchase and refinance mortgages for all residential property in July 2022 Market share percentage based on volume of mortgages • Source: The Warren Group 321 Organization Ranked by volume of loans in July 2022 • Source: The Warren Group Kelly EdwardBeebeeR.Harrigan Northway Bank Patricia A. Jones CMG Mortgage Inc. Rank Lender300350400450500550600650 ’13 ’14 ’15 ’16 ’17 ’18 ’19 ’20 ’21 ’22650600550500450400350300 2021202020192018201720162015201420132012 • All sales through July YTD • Graph based on single-family home sales of $1,000 and above, excluding condominiums and foreclosure deeds • Source: The Warren Group 3 • Statistics from May 2022 - July 2022 • New Construction Excluded • Source: The Warren Group 5421 109876244 Krainewood Dr Brian Totty 6/30/2022 Moultonboro Thomas B. Ferrante RET $8,100,000 212 Springfield Point Rd Heckler 2013 FT 6/1/2022 Wolfeboro D&M Maizel Clarke LT $4,500,000 285 Long Point Rd Alpine Spirit LLC 7/6/2022 Moultonboro R. A. Skowron Grantor T $3,670,000 46 Channel Rd William Madden 7/18/2022 Ossipee Zoe Marie RET $1,980,000 21 Rollins Dr Joyal FT 6/28/2022 Freedom Deborah L. Marshall RET $1,900,000 53 Crystal Shore Rd Richard Mugherini 6/2/2022 Wolfeboro Lewis J. Jones $1,750,000 139 Chandler Ln Chantale Marchand 7/5/2022 Wakefield P. A. Knight 1999 T $1,550,000 1085 E Shore Dr John W. Small T 2012 6/2/2022 Madison Daniel G. Remick $1,501,000 9 Black Point Rd Terence N. Chapman 5/27/2022 Moultonboro Black Point NT $1,385,000 32 Boathouse Rd Roman M. Lubynsky RET 7/27/2022 Moultonboro Mcleod FT $1,200,000 Street CommunityAddress SellerBuyer PriceDate Street CommunityAddress SellerBuyer PriceDateRank Rank TOP 3 MORTGAGE LENDERS % of Market Share 21 15.16% Northway Bank 7.64% Rank Lender 3 Rocket Mortgage 5.73% Meredith Village Savings Bank Meredith Village Savings Bank

▶ REAL ESTATE SALES 32 ELM ST $175,000 B:John Doe & Mary Smith S:Jane Jones & Thomas Jones Mtg:Main Street Mtg Co $140,000 Use:3 Bdrm Colonial, Lot:6459sf Prior Sale:$170,000 (9/89)

513 PROVINCE RD $660,000 B: James Mcclaran-Allen & Amber F Allen BAddr: 26 N Mayhew Tpke HEBRON NH 03241 S: Marti J Ilg Bk/Page: 3524/471, Date: 08/16/22 Mtg: Navy FCU $456,300 Term: 2052 Use: 3 Bdrm Colonial, Lot: 39204sf SAWYER LAKE RD $10,000 B: John A Destefano & Denise A Destefano BAddr: 67 Wood Dr GILMANTON NH 03237 S: Frank Cucchiara Tr, Tr for Cucchiara FT Bk/Page: 3523/917, Date: 08/15/22 SAWYER LAKE RD $246,000 B: Ronnie Cates & Patricia Cates BAddr: 22 Bailey Dr STRAFFORD NH 03884 S: Lucille Leroux & Lillian Leroux Bk/Page: 3524/116, Date: 08/15/22 Laconia

11 CHURCH ST $185,000 B: Carrie E Larrabee & Mark D Larrabee BAddr: 11 Church St TILTON NH 03276 S: Mary M Constant Bk/Page: 3525/26, Date: 08/19/22 Mtg: Franklin SB $125,000 Term: 2052 Use: 4 Bdrm Conventional, Lot: 23522sf CountyCarroll

© Copyright 2022 The Warren Group. All Rights Reserved. Without limiting The Warren Group’s (TWG) rights under applicable copyright law, by accepting and using a copy of The Registry Review the recipient agrees as follows: Each copy of The Registry Review and the information contained in that copy are for the sole use of the recipient in the form presented and may not be copied or reproduced in any manner.

100 CHRISTMAS MOUNTAIN RD $400,000 B: Flora Marie LLC BAddr: 7 Glen Ledge Rd GLEN NH 03838 S: John E Magazzu Jr & Monika M Magazzu Bk/Page: 3684/975, Date: 08/17/22 Mtg: John E Magazzu Jr $100,000 Term: 2023 Use: Commercial Building, Lot: 197762sf Prior Sale: $450,000 (11/15) 29 IRON LEDGE RD $465,000 B: Daniel L Yokell BAddr: 15 Swain Rd WILMINGTON MA 01887 S: Sophie Graney Bk/Page: 3684/1004, Date: 08/17/22 Mtg: Bank of New Hampshire $264,940 Term: 2052 Use: 2 Bdrm Cape Cod, Lot: 100624sf 1 NORDIC VILLAGE LN U:C25 $187,933 B: Heath L Taylor & Angela Taylor BAddr: 20 Chancery Ln SANFORD ME 04073 S: John W Powell Jr Bk/Page: 3684/796, Date: 08/16/22 Use: 1 Bdrm Condo Prior Sale: $105,000 (04/19) Conway ▶ REAL ESTATE SALES CONWAY VLG $525,000 B: Stephen D Geisser & Tracy M Geisser BAddr: 4 Jared Cir BILLERICA MA 01821 S: Danielle A Kastrati & Jakup Kastrati Bk/Page: 3684/799, Date: 08/16/22

The Warren Group cautions you that public records may not reflect actual circumstances, and that the meaning of public records may be obscure. In addition, the conditions existing when a public record is filed may change with the passage of time. By accepting and using The Registry Review, you agree to use this publication for information only and only as a reference to the public records. You further agree to independently verify any published information which affects you before taking any action, forming opinions or otherwise relying on the published information in any way.

REGISTRY REVIEW 3SEPTEMBER 5, 2022

How to Read The Real Estate Records

• “Use” distinguishes residential homes from land sales and commercial sales.

KEY TO ABBREVIATIONS LP = Limited Partnership Tr = Trustee T = Trust IRT = Irrevocable Trust ReT = Revocable Trust RT = Realty Trust FT = Family Trust NT = Nominee Trust Est = Estate Ex = Executor

Notice To Readers

KEY TO LABELS B = Buyer S = Seller Mtg = Mortgage lender and amount Mtg2 = Second Mortgage Use = Building use Bdrm = bedrooms Lot = lot size in square feet YTD = year-to-date

The mortgage lender and the amount of the mortgage used to purchase the property are shown. Any second mortgage (Mtg2) filed at the same time as the deed will also appear here.

These deeds transfer title to the lender after the mortgage is foreclosed (unless there is a higher bidder at the auction.) The amount in these transac tions is usually the amount of the outstanding mortgage that was foreclosed.

The “Use” is based on the code the assessor assigns to each building on a parcel. Whenever there is more than one use code or more than one building on a parcel, we flag these as “Multi-use” and “Multi-bldg” respectively.

Alton

The information published in The Registry Review is taken from public and other records.

The information contained in The Registry Review may not be entered by any means into any form of electronic, digital, optical, or other media for storage or processing (“any means” includes, without limitation, transcription, photocopying, facsimile, or scanning). None of the information contained in or originating from The Registry Review may be sold, transferred, or provided to a third party (including, without limitation, an affiliate of the recipient); however, this provision shall not prevent a recipient from giving that recipient’s copy of an issue of The Registry Review to a third party, so long as the recipient does not retain a copy of all or any portion of that issue of The Registry Review or the information contained in that issue. Waiver or modification of any of these conditions may only be obtained by written permission of TWG. TWG offers a wide variety of alternative services and licensing options for its data. Contact TWG for further information.

Gilford ▶ REAL ESTATE SALES

315 MAIN ST U:15 $98,000 Pleasant Towers Condo B:John Doe & Mary Smith S:Jane Jones & Thomas Jones Mtg:Main Street Bank $70,000 Mtg2:Seller $8,400 Prior Sale:$93,000 (11/90)

5 DEER DR $380,000 B: Lydia M Todd & Robert Sousa BAddr: 59 Lynnfield St PEABODY MA 01960 S: Jessica Seitzer Bk/Page: 3524/136, Date: 08/15/22 Mtg: Salem Five Mtg Co $304,000 Term: 2052 Rate: 4 50% Type: Adj Use: 1 Bdrm A-frame, Lot: 23958sf Prior Sale: $76,000 (01/18) 394 NH ROUTE 140 $320,000 B: Nina C Kilmer BAddr: 249 Dunbar St MANCHESTER NH 03103 S: Keith Stickney-Ewell & Misty L Ewell Bk/Page: 3524/118, Date: 08/15/22 Mtg: St Marys Bank $213,000 Term: 2052 Use: 3 Bdrm Colonial, Lot: 23087sf Prior Sale: $250,000 (06/20) 21 ORANGE AVE $245,000 B: Dakota Meiers BAddr: 155 Maple St SEYMOUR CT 06483 S: Ernest R Stockton Bk/Page: 3525/261, Date: 08/19/22 Mtg: United Wholesale Mtg $232,750 Term: 2052 Use: 2 Bdrm Ranch, Lot: 7841sf Prior Sale: $90,000 (01/13)

Judith A. McGrath, Registrar 64 Court St, Laconia, NH, 03246 603-527-5420

DANIEL WEBSTER HWY L:67 $512,000 B: Sandra P Hickok & Richard C Hickok BAddr: 225 Meredith Center Rd MEREDITH NH 03253 S: Brook Hill Holdings LLC Bk/Page: 3525/23, Date: 08/19/22 4 EAGLE LEDGE RD $585,000 B: John V Skerry 3rd & Tara L Skerry BAddr: 18 Notch Rd ADAMS MA 01220 S: Lori A Slezek & Brian D Slezek Bk/Page: 3524/542, Date: 08/17/22 Mtg: Bank of America NA $468,000 Term: 2052 Use: 3 Bdrm Contemporary, Lot: 87120sf Prior Sale: $415,000 (10/20)

• The prior sale shows the original price paid for the property.

40 OAK ISLAND RD $2,200,733 B: Michael K Lyons BAddr: 24 Wedgewood Dr HOPKINTON MA 01748 S: Alan J Halperin & Paula B Halperin Bk/Page: 3525/201, Date: 08/19/22 Mtg: Meredith Vlg Svgs Bk $1,814,360 Term: 2052 Rate: 4 49% Type: Adj Use: 3 Bdrm Ranch, Lot: 27090sf Prior Sale: $2,200,000 (11/21)

Lisa Scott, Registrar 95 Water Village Rd (Rte 171), Ossipee, NH, 603-539-487203864

▶ FORECLOSURE DEEDS 43 MAIN ST $142,200 B:Main St Bank S:John Smith & Main St Bank Prior Sale:$190,000 (11/85)

▶ REAL ESTATE SALES

▶

REAL ESTATE SALES 11 ALPINE CIR U:B $546,933 B: Mark E Hadley Tr, Tr for Hadley FT BAddr: 40 Joe English Ln MANCHESTER NH 03104 S: Keith Cunha & Kristen Cunha Bk/Page: 3525/117, Date: 08/19/22 Use: 3 Bdrm Condo Prior Sale: $250,000 (11/18) 84 BALDWIN ST $315,000 B: Ernest Bodreau & Britney Bodreau BAddr: 210 Water Village Rd OSSIPEE NH 03864 S: Benjamin Cartier & Kristy L Harper Bk/Page: 3524/715, Date: 08/18/22 Mtg: Fairway Ind Mtg $252,000 Term: 2052 Use: 4 Bdrm Conventional, Lot: 7405sf Prior Sale: $224,000 (06/19) 55 COTTAGE ST $55,000 B: Daniel J Rider BAddr: 175 Range Rd PITTSFIELD NH 03263 S: Carl W Dodge & Gwendolyn Stitt Bk/Page: 3524/918, Date: 08/18/22 Use: 4 Bdrm Conventional, Lot: 11039sf DAVIDSON DR $930,000 B: Steve A Gagnon Tr, Tr for Gagnon FT BAddr: 28 Tanager Way LONDONDERRY NH 03053 S: Robert E Watson Tr, Tr for R&P Watson 2020 T Bk/Page: 3524/630, Date: 08/17/22 18 GILMAN ST $399,933 B: James Kutkowski & Melissa Kutkowski BAddr: 7813 E 120th Ave CROWN POINT IN 46307 S: Marceau RE Invs LLC Bk/Page: 3524/496, Date: 08/17/22 Mtg: Rocket Mortgage LLC $392,656 Term: 2052 Use: Res Potentially Dvlpble Land, Lot: 14375sf 20 KRISTEN DR U:B $415,000 B: Michael D Bordes Jr & Tracey Baudanza-Rossi BAddr: 266 Endicott St N Unit 3 LACONIA NH 03246 S: David P Marini Tr, Tr for Marini FT Bk/Page: 3524/539, Date: 08/17/22 Use: 3 Bdrm Condo Prior Sale: $168,000 (01/17) 15 MELISSA WAY U:B $310,000 B: Kathryn White & Chad Tibbetts BAddr: 685 Coolidge Ave MANCHESTER NH 03102 S: Kenneth S Cameron Bk/Page: 3524/450, Date: 08/16/22 Mtg: Rocket Mortgage LLC $264,000 Term: 2052 Use: 2 Bdrm Condo Prior Sale: $192,000 (11/18) 120 MEMORY LN $490,000 B: Joseph Neipp & Melissa Neipp BAddr: 43 Coffins St WEST NEWBURY MA 01985 S: Martha R Tischofer & Charles H Tischofer Jr Bk/Page: 3524/99, Date: 08/15/22 Mtg: Cross Country Mtg Inc $367,500 Term: 2052 Use: 2 Bdrm Conventional, Prior Sale: $292,000 (09/19) 422 ROLLER COASTER RD $350,000 B: Sonya L Staples & Samuel A Matthews BAddr: PO Box 957 CENTER HARBOR NH 03226 S: Cynthia J Burrows & John Burrows Bk/Page: 3525/181, Date: 08/19/22 Mtg: Fairway Ind Mtg $332,500 Term: 2052 Use: 2 Bdrm Raised Ranch, Lot: 118048sf 569 SCENIC RD U:1 $1,200,000 B: Sheryl B Mcmullen & Declan X Mcmullen BAddr: 6 Newton Ln ASHLAND MA 01721 S: Wendy Mahoney Bk/Page: 3523/779, Date: 08/15/22 Use: 3 Bdrm Condo Prior Sale: $680,000 (06/15) 107 TREETOP CIR U:26 $280,000 B: Daniel H Collins & Shauna E Collins BAddr: 3 Olde Stable Ln EASTON MA 02356 S: Philip Bk/Page:Bracey3524/800, Date: 08/18/22 Mtg: Meredith Vlg Svgs Bk $224,000 Term: 2052 Rate: 5 38% Type: Adj Use: 2 Bdrm Condo Prior Sale: $116,000 (06/20) 1334 UNION AVE U:4 $789,933 B: Raymond J Mcmahon Tr, Tr for Raymond J Mcmahon RET BAddr: 22 Helen Cir GOFFSTOWN NH 03045 S: DHB Homes LLC Bk/Page: 3523/897, Date: 08/15/22 Use: Condo 1334 UNION AVE U:5 $700,000 B: Mark A Hilliard & Mary G Hilliard BAddr: 580 Winnacunnet Rd HAMPTON NH 03842 S: DHB Homes LLC Bk/Page: 3523/784, Date: 08/15/22 Use: Condo 738 WEIRS BLVD U:40 $495,000 B: Carmela M Krasnakevich BAddr: 60 Merrimac St Unit 403 AMESBURY MA 01913 S: Kerry A Calley Bk/Page: 3523/827, Date: 08/15/22 Use: 2 Bdrm Condo Prior Sale: $183,500 (01/15) 115 WINTER ST $325,000 B: Marie Y Duprey & David C Duprey BAddr: 115 Winter St LACONIA NH 03246 S: Jeanne M Bolduc Bk/Page: 3523/806, Date: 08/15/22 Mtg: Service Credit Union $332,450 Term: 2052 Use: 4 Bdrm Cape Cod, Lot: 18599sf NO STREET GIVEN L:47 $1,071,400 B: Christopher Lewis BAddr: 4 Wheat Ln HOLLIS NH 03049 S: Akwa Vista LLC Bk/Page: 3524/984, Date: 08/18/22 Meredith ▶ REAL ESTATE SALES 32 BROOK HL U:69 $475,000 B: Fred R Poor Jr & Kristen Poor BAddr: 5 Lakeshore Ctr No 1451 BRIDGEWATER MA 02324 S: Brook Hill Holdings LLC Bk/Page: 3523/734, Date: 08/15/22 Mtg: Sierra Pacific Mtg $457,995 Term: 2052 Use: Condo 18 CHASE RD $345,000 B: Lawrence C Cochran Jr & Nawal Faris-Cochran BAddr: 40 Cardigan Rd TEWKSBURY MA 01876 S: Rosemary F Olsen Bk/Page: 3523/792, Date: 08/15/22 Mtg: Meredith Vlg Svgs Bk $310,500 Term: 2052 Use: 3 Bdrm Ranch, Lot: 104544sf

CountyBelknap

▶ REAL ESTATE SALES

124 HATCH CORNER RD $580,000 B: Frank M White & Elizabeth P White BAddr: 280 High St MEDFORD MA 02155 S: BCNS Pembroke Hldg LLC Bk/Page: 3524/418, Date: 08/16/22 Mtg: Northway Bank $434,400 Term: 2052 Use: 2 Bdrm Ranch, Lot: 566280sf Prior Sale: $297,933 (12/21)

CEO & Publisher: Timothy M. Warren, Jr. President & COO: David B. Lovins The Registry Review is published every Monday for $229.00 per year. Periodicals Postage paid at Boston, MA USPS POSTMASTER:#536710.Send address changes to The Registry Review, 2 Corporation Way, Suite 250, Peabody, MA 01960.

41 WAUKEWAN ST $310,000 B: Meredith Bay Corp BAddr: PO Box 1596 MEREDITH NH 03253 S: Michael J Moore Bk/Page: 3523/927, Date: 08/15/22 Use: 4 Bdrm Colonial, Lot: 10000sf Prior Sale: $150,000 (10/15) New Hampton ▶ REAL ESTATE SALES HARPER HILL RD $350,000 B: Jeffrey A Boone & Sandra J Boone BAddr: 50 Wahconah Dr BOZRAH CT 06334 S: Christopher M Turgeon & Caitlin Y Turgeon Bk/Page: 3523/829, Date: 08/15/22 170 UPPER OXBOW RD $20,000 B: Steven L Paddock BAddr: 170 Upper Oxbow Rd NEW HAMPTON NH 03256 S: Eric C Ewens Bk/Page: 3524/310, Date: 08/16/22 Use: Mobile Home, Lot: 40075sf Sanbornton ▶ REAL ESTATE SALES 21 BEECHWOOD AVE $515,000 B: Scott Paquette & Anita Paquette BAddr: 1121 Cornwallis Way COLLEGEVILLE PA 19426 S: William J Poulin Tr, Tr for W&Phyllis Poulin RET Bk/Page: 3523/947, Date: 08/15/22 Mtg: Nationstar Mtg $412,000 Term: 2052 Use: 3 Bdrm Cape Cod, Lot: 14810sf 26 GRAY RD $650,000 B: William Poulin Tr, Tr for W&Phyllis Poulin RET BAddr: 21 Beechwood Ave SANBORNTON NH 03269 S: Stephen J Pica Bk/Page: 3524/991, Date: 08/19/22 Use: 4 Bdrm Ranch, Lot: 141570sf LAKE WINNISQUAM $200,000 B: Edward M Ogiba BAddr: 20 Briarwood Ave SANBORNTON NH 03269 S: Mary Anne Donaruma Bk/Page: 3525/112, Date: 08/19/22 Tilton ▶ REAL ESTATE SALES

Albany ▶ REAL ESTATE SALES BIRCH HILL RD $137,000 B: Elizabeth A Conway Tr, Tr for Conway FT BAddr: 3 Beth Rd FRANKLIN MA 02038 S: Elizabeth A Conway Bk/Page: 3685/263, Date: 08/19/22 Bartlett

In communities where we have a file of all properties from the asses sor’s office, we provide additional property details when available. This is done by exactly matching the address and seller name from the new sales record with the address and owner name found in the prop erty file. No descriptive data appears whenever there is any doubt that the two records are the same property.

Published by: The Warren Group, 2 Corporation Way, Suite 250, Peabody, MA 01960

Customer Service: 617-896-5388 or email subscriptions@thewarrengroup.com.

The amount appearing on the same line as the street address is the purchase price from the deed. We print “No Amt Given” when the amount did not appear on the docu ment we review. “No Street Given” appears in place of the street address when it was not available. The volume, page of the deed and filing date appear for all sales.

• The first two buyer (B) names and seller (S) names listed on the deed are shown.

PROSPECT MOUNTAIN RD $325,000 B: Deborah Buck & Barry Buck BAddr: 57 Old Brookline Rd MILFORD NH 03055 S: Cynthia M Balcius & Jill A Royer Bk/Page: 3524/988, Date: 08/19/22 190 RAND HILL RD $90,000 B: Nancy M Hebert & Ryan W Hebert BAddr: 691 Cardinal St Se PALM BAY FL 32909 S: Merton L Cheney Jr Tr, Tr for Lois H Hebert RET Bk/Page: 3523/915, Date: 08/15/22 Use: 3 Bdrm Conventional, Lot: 60548sf ROUTE 11D $55,000 B: Tyler M Stone & Sharon J Stone BAddr: 77 Rte 11d Rd ALTON BAY NH 03870 S: Taylarc A General Prtnrsh Bk/Page: 3524/237, Date: 08/16/22 Barnstead ▶ REAL ESTATE SALES 902 BEAUTY HILL RD $416,933 B: Caitlin Hogan & Samantha Pireilo BAddr: 55 R Scenic Dr DERRY NH 03038 S: RF Downing Homes LLC Bk/Page: 3523/930, Date: 08/15/22 Mtg: Meredith Vlg Svgs Bk $404,393 Term: 2052 Rate: +3 63% Type: Adj Rate 5 CRESCENT DR $249,933 B: Marianne Beauregard BAddr: 147 Kelton St 709 ALLSTON MA 02134 S: Jeffrey G Plante & Heather A Plante Bk/Page: 3525/221, Date: 08/19/22 Mtg: CMG Mortgage Inc $174,930 Term: 2052 Use: 2 Bdrm Log, Lot: 15682sf 125 DAMSITE RD $555,000 B: James F Basile 3rd & Yeslin E Basile BAddr: 31 Elmwood Rd LUNENBURG MA 01462 S: Vincent J Campolungo & Deanna J Campolungo Bk/Page: 3524/433, Date: 08/16/22 Mtg: Northway Bank $325,000 Term: 2052 Use: 3 Bdrm Cape Cod, Lot: 25265sf Prior Sale: $222,000 (10/13) 11 GEORGETOWN DR $630,000 B: Jeffrey Lander & Pamela Lander BAddr: 28 Beech St NORTHBRIDGE MA 01534 S: Mark R Collins Bk/Page: 3524/887, Date: 08/18/22 Mtg: Cornerstone Bank $567,000 Term: 2052 Rate: 4 00% Type: Adj Use: 2 Bdrm Contemporary, Lot: 19602sf 19 GEORGETOWN DR $707,000 B: Santosh K Patlolla & Kanchana Patlolla BAddr: 9 Churchill Rd WINCHESTER MA 01890 S: Michael P Cipriano & Margaret A Cipriano Bk/Page: 3524/565, Date: 08/17/22 Mtg: Guaranteed Rate Inc $560,000 Term: 2052 Rate: 5 50% Type: Adj Use: 2 Bdrm Chalet, Lot: 23087sf Prior Sale: $235,000 (05/12) NARROWS RD $400,000 B: Heather L Mcdonough & John J Mcdonough BAddr: 43 Washington St MILTON MA 02186 S: Betty J Hyman & Mary Hyman Bk/Page: 3525/19, Date: 08/19/22 292 WES LOCKE RD $275,000 B: David J Defelice Jr BAddr: 21 Tom Berry Rd CENTER BARNSTEAD NH 03225 S: James Duford & Heidi Duford Bk/Page: 3525/162, Date: 08/19/22 Mtg: Everett Financial $275,000 Term: 2052 Use: 3 Bdrm Ranch, Lot: 21780sf Center Harbor ▶ REAL ESTATE SALES 41 KLINE RD $1,059,000 B: Shelly A Anderson & David Macher BAddr: 15 Albemarle St 5 BOSTON MA 02115 S: Eric Sanschagrin Tr, Tr for Sanschagrin FT Bk/Page: 3525/127, Date: 08/19/22 Mtg: Northway Bank $647,200 Term: 2052 Rate: 4 38% Type: Adj Use: 3 Bdrm Contemporary, Lot: 226076sf Prior Sale: $459,900 (07/10)

The Registry Review ISSN 1067-0521

Real estate records are organized alphabetically by registry, then town, then by street name.

The information appearing in this newspaper is taken from deed and mortgage documents filed at each of the ten registries of deeds in the state. All property transfers with a sales price of at least $100 and all term-mortgage documents are collected.Whenever possible, we combine the separate deed and mortgage documents so that we can present one complete record of the street address, purchase price, lender and mortgage amount. When we cannot link a deed with a mortgage (and vice versa) each transaction appears individually.

4 BROADVIEW TER $2,945,000 B: David M Saunders & Marla J Saunders BAddr: 8299 S Bates Rd PALM BEACH GARDENS FL 33418 S: Deborah L Anderson Tr, Tr for Donna N Johnson 2005 RET Bk/Page: 3524/353, Date: 08/16/22 Mtg: Morgan Stanley $1,619,750 Term: 2052 Use: 4 Bdrm Contemporary, Lot: 23087sf Gilmanton ▶ REAL ESTATE SALES

▶ REAL ESTATE SALES

Please note: The information contained in this newspaper is taken from public records. While every precaution is taken, no responsibility is assumed for errors or omissions. Readers should confirm any information before taking action.

Publication of any category or item of information is dependent upon that information continuing to be reasonably available in the public records. The Warren Group assumes no responsibility for changes in public policy which may affect the availability of public information. The Warren Group assumes no financial responsibility for typographical errors.

The Warren Group takes reasonable steps to provide an accurate publication, however, The Warren Group has not investigated the accuracy of the source records and does not guarantee the accuracy of those records or any part of the transcription and publishing process.

• Prior sale data appears only when the address of the new sale matches exactly with the address of the older sale in our database.

• For residential homes, the number of bedrooms and house style appear when available • The lot size (Lot) is shown in square feet.

Banks also have concerns about the retail lending assessment area and the potentially large areas where banks will need to engage in CRAWithactivities.internet-based lending now wide spread and customers for such services typi cally distributed over a wider area than tra ditional lending, some large banks may find themselves subject to CRA examinations in areas not otherwise closely tied to their busi ness, the ABA warned. This could lead large banks to curtail some forms of lending to some communities that might otherwise need it.

Different Business Models

Changes for Large Banks Small banks, which under the proposed regulations would have less than $600 mil lion in assets, and intermediate banks, which would have less than $2 billion in assets, would continue to designate the facilitiesbased assessment area using an approach sim ilar to what they use now. But some intermediate-sized banks might get examined outside their defined geographic region. Banks with more than 50 percent of their lending outside the facilities-based as sessment area would have their lending in those other areas considered as well. For large banks – those with $2 billion in assets or more – the CRA proposal would bring more significant changes.

For large banks with lending activities that lead to lending outside their typical geo graphic region, including online lending, CRA would include a second assessment area called the “retail lending assessment area.” This area would be required for large banks that had 100 mortgage loans or 250 small business loans in a geographic area outside the facility-based lending area during the pre ceding two calendar years. “The proposed approach of designating retail lending assessment areas is designed to provide a pathway to evaluate banks in a way that pro vides parity between banks that lend primarily through branches and those banks with differ ent business models,” the proposal said. “Des ignating new retail lending assessment areas would ensure that, regardless of delivery chan nel, large banks would have evaluations of their retail lending in the local markets where they conduct significant retail lending business.” These changes have raised some concerns for many banks. The facilities-based assess ment area could mean banks would have their lending activities evaluated for an entire county even if they have branches in only a section of the county. “In these situations, it is neither realistic nor helpful to LMI communities to expect a bank to meet the proposal’s extensive per formance tests across the entire county,” the ABA said in its comment letter. “Further more, we question whether banks in these circumstances would be able to meet the per formance metrics that the agencies have pro posed for the Retail Lending Test.”

INDUSTRY BRIEFS

Forecast: Big Drop in Home Sales, Big Jump in Multifamily Starts

Bankers are also concerned about the speed with which regulators are trying to implement the new rules. The ABA said the bank regulators’ aggres sive time frames have suggested that they want to implement the rule before a possible change in the administration in 2025.

Continued from Page 1 Banks Challenged by New Assessment Areas WELL DRILLING CONTRACTOR VieraWell,ArtesianLLC FAMILY OWNED AND OPERATED SINCE 1946 978-352-8586 | info@VieraArtesianWell.com DRILLED WELLS Residential – Commercial – Municipal – Irrigation – Geothermal License: MA#545 – NH#1932 – MA#6 – NH#370 – ME#409 – RI#66

REGISTRY REVIEW12 SEPTEMBER 5, 2022

ARM Application Rate the Highest Since 2007

The share of borrowers applying for an adjustable-rate mortgage is the highest it’s been in 15 years, a new analysis by Zillow has found, but unlike the lead-up to the subprime mortgage crisis, these borrowers remain wellqualified.Theshare of applications for ARMs rose to 12.6 percent in June before dipping slightly to 12.2 percent in July, according to economists at the listings portal. Those two months mark the first time the share of ARMs has risen above 12 percent since August 2007. ARMs usually offer a lower interest rate than a standard 30-year, fixed-rate mortgage during the introductory period – ranging from three to 10 years – a boon to homebuyers in to day’s high-rate, high-priced marketplace. The interest rate on an ARM loan can rise or fall after the introductory period expires, however, so the loans come with long-term uncertainty and may require refinancing down the line. “Housing market conditions and the profile of ARM borrowers should bring comfort to anybody scarred by the memory of risky lend ing practices during the Great Recession,” Zil low senior economist Nicole Bachaud said in a statement released along with the report. “It’s important not to confuse some added risk for an individual borrower with risk to the hous ing market as a whole. Borrowers today are more financially prepared for home buying, and the housing market has a much stronger outlook than the last time ARMs were this popular. While not the best option for every buyer, ARMs can be beneficial for households on solid financial footing that can stomach the possibility of higher payments down the road.” But unlike in the years before the 20072008 financial crisis, most of today’s ARM borrowers appear to be financially well-posi tioned to handle any spike in interest rates. The median income of buyers who received an ARM loan was $165,000 in 2021, compared to $91,000 for all borrowers, Zillow reported. And the typical ARM borrower put 23.6 per cent down – therefore making their total loan smaller – while the typical borrower overall put down 10 percent. Given this, and gener ally higher lending standards for all types of mortgages today, Zillow economists estimate it’s likely today’s typical ARM borrower would be able to withstand increased monthly pay ments if mortgage rates were to rise. But the subprime crisis is creating at least one echo in today’s mortgage market: fewer Black borrowers are taking advantage of ARM’s benefits this time around. ARM loans approved for Black home buyers were for a median property value lower than for Black borrowers overall, Zillow found, a reversal from all other racial groups included in the analysis.“Adjustable-rate and subprime loans dis proportionately harmed Black homeowners during the foreclosure crisis,” Bachaud said. “Black mortgage applicants, then, have reason to be more risk-averse in their use of ARMs, particularly in a time like today when hous ing market conditions are changing so quickly. While the popularity of ARMs is rising and the potential benefits are greater for the right type of buyer, the data shows Black home buy ers are less willing to accept the added risk after facing greater obstacles to qualify for a mortgage, another signal that lending is a long way from equitable.”

Economists at Fannie Mae expect a signifi cant drop in sales of existing single-family homes this year, along with a significant jump in the start of construction on multifamily buildings.Thesecondary mortgage market titan’s lat est monthly economic forecast says that na tionwide, America will see 16 percent fewer sales of existing single-family homes and 16.2 percent fewer sales of both new and existing single-families this year than in 2021 as ris ing prices and interest rates take their toll on housing affordability. That represents a drop from last month’s forecast of a 15.6 percent year-over-year de cline for new and existing single-family sales combined. The latest forecast also projects total mortgage origination activity at $2.47 trillion in 2022, down from $4.47 trillion in 2021, and then a further reduced $2.29 trillion in 2023. At the same time, the forces pushing buy ers out of the housing market – which are also keeping investments in new multifamily buildings attractive despite oscillating build ing costs – will lead to a 14.6 percent jump in multifamily starts, the Fannie Mae forecast says. That figure will drop in 2023, however, the forecast predicts, from 543,000 new units begun to “Housing451,000.remains clearly on the downtrend – and has been for several months now – due to the combined effects of outsized home price increases and the significant and rapid run-up in mortgage rates,” Fannie Mae chief econo mist Doug Duncan said in a statement. “The question for many market observers is how quickly, and with how much additional tight ening, the core inflation rate will come down to the Fed’s preferred target. In our view, the labor market’s continued strength suggests that the Fed is likely to maintain its aggressive posture through the end of the year.” While Massachusetts appears to be dodg ing the worst of the housing-market softness that’s saddled other, sunnier parts of the coun try whose housing markets boomed during the pandemic, home sales have been declining significantly all year. There were 5,266 single–family home sales that closed in Massachusetts last month, according to The Warren Group, publisher of Banker & Tradesman: a 17.4 per cent decrease from July 2021 and one of the largest such year-over-year declines in 2022. Overall, the economy remains at risk from rising interest rates and continued – albeit slowing – inflation despite strong job growth, Fannie Mae said. The forecast also predicts a mild recession in 2023. “The economy is progressing largely as we’d previously forecast,” Duncan said. “The near-term decline in gas prices has given consumers a chance to catch their breath and shift some spending elsewhere. Like wise, lower interest rates at the longer end of the yield curve should be supportive of the economy through the end of 2022, which is why we’re forecasting modest economic growth in the second half. However, we main tain the view that a modest recession is likely to emerge in the new year as the labor mar ket softens and the effects of tighter monetary policy are more acutely felt.”

These anti-discrimination requirements re main in the proposed regulations. And exams will continue to evaluate a bank’s performance in its branch network, what the proposal calls the “facilities-based assessment areas.” “While the number of bank branches has de clined in recent years, the agencies believe that branches remain an essential way of defining a bank’s local communities,” bank regulators said. Even if a bank does not use the word “branch” to describe a location, it would be considered a branch for CRA purposes if the bank staffs a physical location that collects deposits from customers. Even if the location is open by appointment only, it is still consid ered a Otherbranch.changes anticipate that business mod els or banking options could change. Instead of referring to deposit-taking ATMs, the proposal now includes “remote service facilities” as part of the facilities-based assessment area, a broader term that the agencies said encompasses other options such as interactive teller machines.

“Regulators, banks, consumer and commu nity advocates, and other stakeholders have come too far and worked too hard to rush the final stage of this important work,” the ABA said.

The proposed regulations give large banks two options for their facilities-based assess ment area. They could select an area with one or more metropolitan statistical areas or met ropolitan divisions. Or, banks could choose one or more contiguous counties within an MSA, a metropolitan division or the nonmet ropolitan area of a state. The agencies said this approach would cre ate a more consistent standard for large banks as they define their assessment areas, while also promoting fair lending and bringing about easier data reporting.

“Because bank resources are finite, banks may have to choose between deploying staff to meet community development financing needs in distressed regions outside of the bank’s as sessment area and hiring additional staff to manage performance, data analytics, and re porting for a myriad of [retail lending assess ment areas] that do not represent a material portion of the bank’s retail loans,” the ABA said.

Email: editorial@thewarrengroup.com