The Registry Review: Dec. 16, 2024

Page 1


Will Multifamily Gain Momentum in 2025?

Developers, Financiers Divided on Asset’s Near-Term Future

SPECIAL TO THE REGISTRY REVIEW

New Hampshire’s multifamily housing market faces a murky future heading into the new year, as cautious developers, bankers and investors wait to see how the Fed handles interest rates and how the incoming Trump administration’s policies impact the economy in 2025.

Early bank data indicates that the multifamily lending market improved through the first nine months of the current year in New Hampshire, with multifamily purchase lending jumping by 18.4 percent to nearly $90 million compared to the same period in 2023, according to figures compiled by The Warren Group, the real estate analytics firm and publisher of The Registry Review.

The Warren Group’s data doesn’t cover all multifamily lending in the state through Oct. 31, but the purchase-loan numbers do point to increased investor interest in the multifamily sector in the Granite State, some of it apparently due to the Federal Reserve’s interest rate cut in September.

Then again, the 10-year Treasury bond yield, considered a benchmark for the direction of mortgage rates and other loan products, began increasing in early October from about 3.7 percent to as high as 4.46 percent on Nov. 13, before settling down to around 4.1 percent in early December, according to industry data.

The spike is attributed by many to anxieties about President-elect Donald Trump’s future economic and federal budget policies after he’s sworn in next month to his second term, following his Nov. 5 election victory over Democrat Kamala Harris.

To some, the higher Treasury yields effectively offset the benefits of the Fed’s fall interest rate cut, leaving the multifamily lending sector – and most other lending sectors – in a sort of limbo, industry figures say.

Combined with currently high construc-

tion costs that are hampering new multifamily developments, the outlook for 2025 is murky at best, said William Norton, president of Norton Asset Management in New Hampshire.

“It’s very unclear where we’re going,” said Norton. “The economy seems a little fragile.” Others are more positive – at least when it comes to multifamily housing and the huge pent-up demand for housing in New Hampshire.

Continued on Page 16

Observers of New Hampshire’s multifamily sector are split on how much new development might happen next year given murky economic factors.

County Close-Up Carroll

Sandwich native and famed Chicago politician “Long John” Wentworth was allowed to name Sandwich, Illinois after his hometown. But why would a town 54 miles away from Lake Michigan have to do with Chicago? His intense involvement in a Wisconsin-Illinois border dispute stopped the border from landing in such a way as to put Sandwich in Wisconsin.

“Let us remember that the automatic machine is the precise economic equivalent of slave labor. Any labor which competes with slave labor must accept the economic consequences of slave labor.” — Groundbreaking

Belknap County

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

Alton

▶ REAL ESTATE SALES

ROUTE 11 $230,000

B: Jeffrey Hynes & Elizabeth Hynes

BAddr: 7 Downing Dr ALTON BAY NH 03810

S: William Metropolis & Marilyn Metropolis

Bk/Page: 3654/631, Date: 11/22/24

ROUTE 8 $130,000

B: Northway Properties LLC

BAddr: 29 Youngtown Rd ALTON NH 03809

S: Andrew D Morse

Bk/Page: 3655/235, Date: 11/26/24

123 SUNCOOK VALLEY RD $549,933

B: 123 Suncook Vly LLC

BAddr: 123 Suncook Valley Rd ALTON NH 03809

S: Lorraine D Scott, Tr for John Herbert Scott RET

Bk/Page: 3655/200, Date: 11/26/24

Mtg: Enterprise Bk & Tr Co $300,000 Use: Mixed Use-Prim Comm & Other, Lot: 39204sf

Barnstead

▶ REAL ESTATE SALES

FRENCH RD $160,000

B: Chandler A Norris

BAddr: 189 Govemors Rd OITSFIELD NH 03263

S: Richard S French, Tr for French Inter Vivos T

Bk/Page: 3655/385, Date: 11/27/24

52 W HUNTRESS POND RD $485,000

B: Matthew Colby, Tr for Colby Ft

BAddr: 32 Old Fort Ln DUNBARTON NH 03048

S: Christopher L Beairsto, Tr for Beairsto Ft

Bk/Page: 3653/799, Date: 11/19/24

Mtg: Merrimack Cnty SB NH $388,000 Term: 2054

Use: 1 Bdrm Old Style, Lot: 21344sf

86 WHITE OAK RD $385,000

B: Stephen R Halliday

BAddr: 21 Merrimack St 5 CONCORD NH 03301

S: Katie M Mountain

Bk/Page: 3654/777, Date: 11/25/24

Mtg: CMG Mortgage Inc $308,000 Term: 2054 Use: 2Fam-5Fam Residence, Lot: 143748sf Prior Sale: $79,000 (08/12)

58 WINWOOD DR $360,000

B: Jameson Proko & Kathryn A Proko

BAddr: 46 Southerlee Shores Rd MOULTONBOROUGH NH 03254

S: James C Schwartz & Kara C Schwartz

Bk/Page: 3654/929, Date: 11/25/24

Mtg: CMG Mortgage Inc $353,479

Term: 2054

Use: 3 Bdrm Conventional, Lot: 20038sf Prior Sale: $9,933 (04/15) Belmont

▶ REAL ESTATE SALES

87 SARGENT LAKE RD $850,000

B: Mark Garcia & Todd Simoneau

BAddr: 7970 Wetherly St LA NESA CA 91942

S: Mccormack Marlene D Est & Todd Mccormack

Bk/Page: 3655/308, Date: 11/27/24

Mtg: HarborOne Mortgage $868,275

Term: 2054

Use: 2 Bdrm Contemporary, Lot: 509652sf SHACKER RD $190,000

B: Adam F Crawford

BAddr: 17 Paul Revere Rd SHARON MA 02067

S: Andrew J Gorrell & Christine A Gorrell

Bk/Page: 3655/123, Date: 11/26/24 NO STREET GIVEN $379,000

B: Michelle Bowles

BAddr: 13 Farrasville Rd BELMONT NH 03220

S: Julie P Hayward, Tr for Hayward Homestead T

Bk/Page: 3654/17, Date: 11/20/24 Center Harbor

▶ REAL ESTATE SALES

HAWKINS POND RD $130,000

B: Michael D Adams, Tr for Adams FT

BAddr: 75 Main St Ste 5 PLYMOUTH NH 03264

S: Alexandra Berkowitz

Bk/Page: 3655/198, Date: 11/26/24

NO STREET GIVEN $208,266

B: Donald F Ferguson

BAddr: 21 Hoyt St SOUTH SALEM NY 10590

S: Roderick B Ferguson, Tr for Barbara M Ferguson RET

Bk/Page: 3655/222, Date: 11/26/24 Gilford

▶ REAL ESTATE SALES

BELKNAP MOUNTAIN RD $800,000

B: Dianne B Mcadam

BAddr: 11 Scribner Pk AUBURNDALE MA 02466

S: Andre A Godbout, Tr for Andre A Godbout 2023 T

Bk/Page: 3655/256, Date: 11/26/24

9 BELKNAP MOUNTAIN RD $795,000

B: M J Oneil & K E Nappa T & Michael J Oneil Jr

BAddr: 3765 Kings Way BOCA RATON FL 33434

S: Wayne F Boutwell & Ursula L Minich-Boutwell

Bk/Page: 3655/129, Date: 11/26/24

Mtg: City National Bank $556,500

Term: 2054

Use: 3 Bdrm Colonial, Lot: 22651sf

113 DOCKHAM SHORE RD $3,350,000

B: Prachi Samudra, Tr for 25 Oldham Rd RT

BAddr: 35 Temple St NEWTON MA 02465

S: Diana C Fischer, Tr for Diana C Fischer T

Bk/Page: 3653/839, Date: 11/19/24

Mtg: M&T Bank NA $2,512,500

Term: 2054 Rate: 6 1% Type: Adj

Use: 4 Bdrm Cape Cod, Lot: 17860sf

Prior Sale: $1,415,000 (09/17)

2696 LAKE SHORE RD U:78 $555,000

B: Alia Mohammed & Justin Vuylsteke

BAddr: 15 Thomas Rd METHUEN MA 01844

S: Derek Borghi

Bk/Page: 3655/261, Date: 11/27/24

Mtg: New Fed Mtg Corp $416,250

Term: 2054

Use: 2 Bdrm Condo

Prior Sale: $208,000 (03/17)

125 MOUNTAIN DR $475,000

B: Lisa Benway

BAddr: 8 Harlow Rd SHREWSBURY MA 01545

S: Scott Mcettrick & Brittany Delage

Bk/Page: 3654/42, Date: 11/20/24

Mtg: Movement Mtg LLC $356,250

Term: 2054

Use: 3 Bdrm Ranch, Lot: 37897sf

Prior Sale: $150,000 (08/22)

29-B MULBERRY HILL RD $389,000

B: Denise E Daly

BAddr: 284 Greenbrook Dr STOUGHTON MA 02072

S: Edith A Rose

Bk/Page: 3654/687, Date: 11/22/24

ROUTE 11B $175,000

B: Marion Chamberlin

BAddr: 326 Intervale Rd 3 GILFORD NH 03249

S: Robert M Duffey & Susan H Duffey

Bk/Page: 3655/1, Date: 11/25/24

Gilmanton

▶ REAL ESTATE SALES

35 COPP RD $630,000

B: David Rogers

BAddr: 23 Cricket Ln CONCORD NH 03301

S: Mg Holdings LLC

Bk/Page: 3654/611, Date: 11/22/24

Mtg: Mortgage Research Ctr $650,790

Term: 2054

Use: 4 Bdrm Colonial, Lot: 148104sf

Prior Sale: $365,000 (11/06)

ROUTE 140 $39,000

B: Daniel Laurin & Shaina Laurin

BAddr: Po Box 137 ALTON BAY NH 03810

S: Linda M Vachon-Barone

Bk/Page: 3654/382, Date: 11/21/24

NO STREET GIVEN $167,533

B: Dean D Hand & Hope L Hand

BAddr: 17 Ferson St NASHUA NH 03060

S: Jacqueline D Medas, Tr for Joseph Iii & J D Medas T

Bk/Page: 3654/86, Date: 11/20/24

NO STREET GIVEN $417,533

B: Robin A Samuelson, Tr for Samuelson RET

BAddr: 3 Old County Rd FRANCESTOWN NH 03043

S: Roy L Fielders

Bk/Page: 3654/531, Date: 11/22/24

Laconia

▶ REAL ESTATE SALES

9 ALGONQUIN DR U:104 $245,000

B: Tyler J Santucci

BAddr: 68 Cotis Hill Rd MEREDIH NH 03253

S: Judi L Shapiro

Bk/Page: 3655/175, Date: 11/26/24

Mtg: Meredith Vlg Svgs Bk $215,000

Term: 2054

Use: 2 Bdrm Condo

Prior Sale: $135,000 (06/18)

7 BAKER AVE U:3 $155,000

B: Xzito LLC

BAddr: 724 Wihte Oaks Rd LACONIA NH 03246

S: Lake Life Inn LLC

Bk/Page: 3653/877, Date: 11/19/24

Mtg: Lake Life Inn Llc $145,000

Use: Condo

97 CLOVER LN $307,600

B: Terry Shea

BAddr: 97 Clover Ln LACONIA NH 03246

S: Jeffrey A Graham

Bk/Page: 3654/435, Date: 11/22/24

Mtg: Service Credit Union $200,000

Term: 2054 Rate: 5 3% Type: Adj

Use: 3 Bdrm Cape Cod, Lot: 108464sf Prior Sale: $403,000 (03/17)

29 EXETER PL $600,000

B: Kemys S Majeski & Paul E Majeski

BAddr: 3 Bennett Rd BROOKLINE NH 03033

S: Jo A Thompson & John J Thompson

Bk/Page: 3654/733, Date: 11/22/24

Mtg: Jeanne DArc CU $200,000

Term: 2054 Rate: 6 1% Type: Adj

Use: 3 Bdrm Contemporary, Lot: 20292sf

15 GABLES DR U:B $592,533

B: John Clark & Christine Sheridan

BAddr: 19 Williamsburg Cir A LACONIA NH 03246

S: Kevin Majeski & Nicole Majeski

Bk/Page: 3654/499, Date: 11/22/24

Mtg: JPMorgan Chase Bank $444,375

Term: 2039

Use: 2 Bdrm Condo

Prior Sale: $299,933 (05/18)

37 GILLETTE ST $297,933

B: Dylan J Martel & Erin L Martel

BAddr: 35 Skyline Dr SANBORNTON NH 03269

S: Fecteau Maurice E Est & Eric Fecteau

Bk/Page: 3654/580, Date: 11/22/24

Mtg: Blue Water Mortgage $288,963

Term: 2054

Use: 4 Bdrm Conventional, Lot: 9750sf

5 ISLAND DR U:5 $1,488,733

B: David J Haddad

BAddr: 1071 Windham Rd DERRY NH 03038

S: Bradley Cox & Sonia Pasquale

Bk/Page: 3654/533, Date: 11/22/24

Mtg: Haverhill Bk $1,181,760 Term: 2054

Use: 3 Bdrm Condo

Prior Sale: $1,200,000 (12/21)

LOKOUT CONDO U:2

B: Fischer Horizon Prop LLC

$1,009,933

BAddr: 2217 Southwest Golden Bear Way PALM FL 34990

S: Lake Life Dev LLC

Bk/Page: 3653/982, Date: 11/19/24

Use: Condo

45 OLD PRESCOTT HILL RD $455,000

B: Thomas R Cyr & Darrien White

BAddr: 45 Old Prescott Hill Rd LACONIA NH 03246

S: David P Merriman & Peggy S Merriman

Bk/Page: 3654/349, Date: 11/21/24

Mtg: Navy FCU $425,000

Term: 2054

Use: 2 Bdrm Ranch, Lot: 19941sf

Prior Sale: $380,000 (11/22)

581 SCENIC RD U:5

B: Marilena Caldarusa

How to Read The Real Estate Records

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.

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

$1,200,000

BAddr: 4 Greenfield Ln CONCORD MA 01742

S: Raymond L Tedeschi & Jill Moore-Tedeschi

Bk/Page: 3654/273, Date: 11/21/24

Mtg: Salem Five Mtg Co $954,000

Term: 2054 Rate: 6 1% Type: Adj

Use: 2 Bdrm Condo

Prior Sale: $755,000 (10/19)

3 WILLIAMSBURG CIR U:A $435,000

B: Brittany E Talbot & Jarryd Talbot

BAddr: 87 Brookview Dr HOOKSETT NH 03106

S: Maureen M Heinze

Bk/Page: 3654/848, Date: 11/25/24

Mtg: CMG Mortgage Inc $300,000

Term: 2054

Use: 2 Bdrm Condo

Prior Sale: $355,000 (05/21)

47 YACHTSMANS RDG

B: Edwin J Soul & Patricia D Soul

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 document 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 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. •

(B) names and seller (S) names listed on the deed are shown.

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

$1,537,933

BAddr: 4615 Oak Hammond Ct PONCE INLET FL 32127

S: Dimitri G Betses, Tr for Drb RET

Bk/Page: 3654/321, Date: 11/21/24

Mtg: First Colony Mtg Corp $535,000

Term: 2039

Use: 4 Bdrm Contemporary, Lot: 12169sf

Prior Sale: $779,533 (05/18)

Meredith

▶ REAL ESTATE SALES

COLLINS BROOK RD $791,000

B: Richard P Happell & Shirley A Happell

BAddr: 336 Riverbend Dr GROTON MA 01450

S: Janelle Fitch

Bk/Page: 3654/875, Date: 11/25/24

3 MAIN ST $850,000

B: Bradley A Leighton, Tr for Bradley A Leighton T

BAddr: Po Box 724 MEREDITH NH 03253

S: Meredith Bay Corp

Bk/Page: 3655/57, Date: 11/26/24

Mtg: Meredith Bay Corp $368,000

Use: Office Bldg-General, Lot: 2178sf

Prior Sale: $225,000 (09/19)

21 WAUKEWAN ST $450,000

B: Elizabeth I Smith & Kyle A Smith

BAddr: 1216 Edingale Dr IOWA IA 52246

S: 21 Waukewan LLC

Bk/Page: 3654/978, Date: 11/25/24

Mtg: CMG Mortgage Inc $360,000

Term: 2054

Use: 3 Bdrm Cape Cod, Lot: 26572sf

Prior Sale: $335,000 (11/22)

New Hampton

▶ REAL ESTATE SALES

LANG DR

B: Twin Tamarack Resort Vent

In communities where we have a file of all properties from the assessor’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 property file. No descriptive data appears whenever there is any doubt that the two records are the same property.

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.

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 transactions is usually the amount of the outstanding mortgage that was foreclosed.

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

• For residential homes, the number of bedrooms and house style appear when available

• The lot size (Lot) is shown in square feet.

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

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.

KEY TO LABELS

B = Buyer

S = Seller

$101,000

BAddr: 41 Twin Tamarack Rd NEW HAMPTON NH 03256

S: New Hampton Town Of

Bk/Page: 3654/565, Date: 11/22/24

1028 STRAITS RD

B: Kevin Lacasse

$480,000

BAddr: 80 Lakeview Dr NEW HAMPTON NH 03256

S: Vincent Andreula, Tr for Vincent Andreula Lt

Bk/Page: 3653/989, Date: 11/19/24

Use: 4 Bdrm Colonial, Lot: 223027sf

Prior Sale: $225,000 (10/14)

NO STREET GIVEN

$475,000

B: Laura J Taylor, Tr for Sawyer Taylor 2021 T

BAddr: 148 Winona Shores Rd MEREDITH NH 03253

S: Rodney J Bascom, Tr for Bascom Ft

Bk/Page: 3654/375, Date: 11/21/24

NO STREET GIVEN

$70,000

B: Kenda L Corcoran, Tr for Kenda L Corcoran 2022 T

BAddr: Po Box 284 PLYMOUTH NH 03264

S: Andrew S Moore, Tr for Moore Ft

Bk/Page: 3653/926, Date: 11/19/24

Sanbornton

▶ REAL ESTATE SALES

461 LOWER BAY RD

B: Ronald Petrucci & Geraldine Petrucci

$549,000

BAddr: 15 Childs Ln FOXBOROUGH MA 02035

S: Knm Holdings LLC

Bk/Page: 3655/40, Date: 11/26/24

Mtg: Boston FireFightrs CU $300,000

Term: 2054

Use: 2 Bdrm Ranch, Lot: 37462sf

Prior Sale: $80,000 (08/23)

NO STREET GIVEN

B: John E Ledoux, Tr for Jelleg T

BAddr: 4 Rose Ln ATKINSON NH 03811

$872,533

S: Joseph N Cioffi, Tr for J N & Joyce A Cioffi RET

Bk/Page: 3655/220, Date: 11/26/24

Tilton

▶ REAL ESTATE SALES

55 HIGH ST $420,000

B: Joshua D Young

BAddr: 21 Arch St NORTHFIELD NH 03276

S: Evans Jeanette E Est & Laurie Evans

Bk/Page: 3654/198, Date: 11/20/24

Mtg: Fairway Ind Mtg $336,000 Term: 2054

Use: 1 Bdrm Cape Cod, Lot: 40511sf

Prior Sale: $170,000 (07/16)

Mtg = Mortgage lender and amount

Mtg2 = Second Mortgage

Use = Building use

Bdrm = bedrooms

Lot = lot size in square feet

YTD = year-to-date

Notice To Readers

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

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.

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.

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 Registry Review ISSN 1067-0521

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

Publisher: Timothy M. Warren, Jr.

President & CEO: David B. Lovins

Associate Publisher: Cassidy Norton

The Registry Review is published every Monday for $229.00 per year. Periodicals Postage paid in Boston, MA USPS #536710 and additional mail offices.

POSTMASTER: Send address changes to The Registry Review, 2 Corporation Way, Suite 250, Peabody, MA 01960. © Copyright 2024 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. 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.

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Prior Sale: $270,000 (07/03)

12

B:

BAddr:

S:

Bk/Page:

Mtg:

B:

S:

Bk/Page:

Mtg:

Carroll County

NO STREET GIVEN $610,000

B: Anne E Mckusick & Thomas J Anastasio

BAddr: 969 Grandview Rd CONWAY NH 03818

S: Daniel Lagrange & Minami Lagrange

Bk/Page: 3799/402, Date: 11/25/24 Freedom

▶ REAL ESTATE SALES

63 FREEDOM POINT RD $429,000

B: Robert W Page 3rd & Sarah J Page

BAddr: 53A Gear Rd ROCHESTER NH 03839

S: Grant Alan M Est & David A Grant

Bk/Page: 3799/628, Date: 11/25/24

Mtg: CMG Mortgage Inc $438,223

Term: 2054

Use: 2 Bdrm Ranch, Lot: 43996sf Jackson

▶ REAL ESTATE SALES

5 MILE CIRCUIT RD $280,000

B: Kjames J Feehan Jr & Paricia C Feehan

BAddr: Po Box 159 JACKSON NH 03846

S: Cyntia L Skrzycki, Tr for Upton Rt

Bk/Page: 3800/26, Date: 11/27/24

46 LOWER HIGHLANDS RD $1,000,000

B: David Ciccalone & Lindsey Ciccalone

BAddr: 37 Winnicut Rd NORTH HAMPTON NH 03862

S: Susan A Kent, Tr for Susan A Kent T Of 2013

Bk/Page: 3799/595, Date: 11/25/24

Mtg: Service Credit Union $79,400

Term: 2054 Rate: 5 8% Type: Adj

Use: 3 Bdrm Log, Lot: 65340sf THOM MOUNT RD $1,000,000

B: David L Smith Jr & Jillian A Smith

BAddr: 20 Cedar Way GOFFSTOWN NH 03045

S: David A Caldwell Jr & Christina R Caldwell

Bk/Page: 3798/973, Date: 11/21/24

NO STREET GIVEN $1,210,000

21

2

S:

Sale: $33,000 (08/17) Brookfield

▶ REAL ESTATE SALES

NO STREET GIVEN $230,000

B: Curtis Kinville

BAddr: 424 Wentworth Rd BROOKFIELD NH 03872

S: Kagen A Weeks

Bk/Page: 3798/825, Date: 11/20/24

Conway

▶ REAL ESTATE SALES

373 DAVIS HILL RD $495,000

B: Nancy E Hall & Edward V Hall

BAddr: Po Box 453 CENTER CONWAY NH 03813

S: Damien Chu

Bk/Page: 3799/106, Date: 11/22/24

Mtg: Union Bank $100,000

Term: 2054

Use: 3 Bdrm, Lot: 50530sf Prior Sale: $442,000 (10/23)

104 E MAIN ST $575,000

B: Elliot A Rodriguez & Clara L Rodriguez

BAddr: 104 E Main St CONWAY NH 03818

S: Aletta D Cram & Steven D Cram

Bk/Page: 3800/1, Date: 11/27/24

Mtg: Sierra Pacific Mtg $460,000

Term: 2054

Use: Residential-Multiple Bldgs, Lot: 14375sf

Prior Sale: $138,500 (10/11)

147 ECHO ACRES RD $455,000

B: Allie M Gray-Appolito

BAddr: Po Box 88 NORTH CONWAY NH 03860

S: Nancy J Deroin

Bk/Page: 3799/243, Date: 11/25/24

Mtg: Guaranteed Rate Inc $335,000 Term: 2054

Use: 3 Bdrm Ranch, Lot: 28314sf Prior Sale: $150,000 (10/02)

24 HARMONY LN U:12 $306,000

B: Randy C Ross & Mary E Ross

BAddr: 8 Deer Run Rd BRISTOL RI 02809

S: Linda S Derse, Tr for Derse Ft

Bk/Page: 3798/884, Date: 11/21/24 Mtg: EMM Loans

B: Jeffrey A Powell & Jennifer E Powell

BAddr: 1168 Massachusetts Ave LUNENBURG MA 01462

S: Robert J Ference, Tr for Ference Ft

Bk/Page: 3798/1048, Date: 11/21/24

NO STREET GIVEN $50,000

B: Mattew W Morse

BAddr: 83 Patterson Rd WILMOT NH 03287

S: Meredith A Foley

Bk/Page: 3799/506, Date: 11/25/24

Madison ▶ REAL ESTATE SALES

5 OAK RIDGE RD $359,000

B: Jean M Bogdan & Alexander Bogdan

BAddr: 6616 53rd Dr MASPETH NY 11378

S: Anna Pavalii & Neldaimo Crua

Bk/Page: 3799/212, Date: 11/22/24

Mtg: Navy FCU $328,754

Term: 2054

Use: 3 Bdrm Raised Ranch, Lot: 17860sf Prior Sale: $210,000 (07/06)

ROUTE 113 $300,000

B: Sebastian G Dawson & Jena M Linder

BAddr: Po Box 63 GLEN NH 03838

S: Margaret E Quinn

Bk/Page: 3799/170, Date: 11/22/24

NO STREET GIVEN $1,714,000

B: Mary P Hinckley, Tr for Mary Pat Hinckley RET

BAddr: 15 Bittersweet Ln WESTON MA 02493

S: Diane S Mayer, Tr for P M Scarborough RET

Bk/Page: 3799/379, Date: 11/25/24

Moultonboro

▶ REAL ESTATE SALES

HOLLAND ST $50,000

B: Richard E Plaisted, Tr for Plaisted Ft

BAddr: Po Box 65 MOULTONBOROUGH NH 03254

S: Adele V Taylor, Tr for Adele V Taylor RET

Bk/Page: 3799/967, Date: 11/27/24

70 MOUNTAIN VIEW DR $408,000

B: Sarah Cotnoir

BAddr: 46 Stowell Rd BEDFORD NH 03110

S: Debra O Knapik, Tr for Oshaughuessy Ft

Bk/Page: 3798/836, Date: 11/21/24

Mtg: Guild Mortgage Co $387,600 Term: 2054

Use: 4 Bdrm Chalet, Lot: 14941sf Prior Sale: $84,300 (04/01)

PINE NEEDLE LN $515,000

B: Kristen B Trigg, Tr for Donald D Trigg

BAddr: 5215 Sunset Dr KANSAS MI 64112

S: Bald Peak Land Copany Inc

Bk/Page: 3799/14, Date: 11/22/24

SHAKER JERRY RD $149,000

B: Richard J Fitzgerald

BAddr: 123 Maple St BELLINGHAM MA 02019

S: William H Ames Jr & Christine J Ames

Bk/Page: 3798/802, Date: 11/20/24

WINAUKEE RD $160,000

B: Michael Campbell & Kelianne Thompson

BAddr: 21 Wood Rd SHERBORN MA 01770

S: Lawrence C Tremhlay Sr

Bk/Page: 3799/577, Date: 11/25/24

NO STREET GIVEN $275,000

B: 35g LLC

BAddr: 180 Holland St MOULTONBOROUGH NH 03254

S: Theresa L Johnson

Bk/Page: 3799/99, Date: 11/22/24

80 LUNT RD $3,700,000

B: Edward Sarno & Joanne Sarno

BAddr: 50 Mont Vernon St 18 NORTH READING MA 01864

S: Shawn Fitzgibbons & Loralee Fitzgibbons

Bk/Page: 3798/799, Date: 11/20/24

LOVELL RIVER RD $368,000

B: Lenny B Leonard & Tina H Currie

BAddr: 56 Bluffs Blvd OSSIPEE NH 03814

S: Mary R Cunningham

Bk/Page: 3799/196, Date: 11/22/24

4 SUNNYVIEW DR $400,000

B: Sara J Fortin

BAddr: 1575 Hooksett Rd 1 HOOKSETT NH 03106

S: Marcia Price

Bk/Page: 3798/1051, Date: 11/22/24

Mtg: Fairway Ind Mtg $392,755

Term: 2054

Use: 4 Bdrm Colonial, Lot: 52272sf

Prior Sale: $149,533 (10/15)

NO STREET GIVEN $315,000

B: Thomas Daigle & Stacey Daigle

BAddr: 124 Lanford Rd RAYMOND NH 03077

S: Andrew Bates & Sherry Bates

Bk/Page: 3798/914, Date: 11/21/24

NO STREET GIVEN $5,000

B: Brayan K Brownell, Tr for Brownell Ft BAddr: 15 Paddy Acre Rd CENTER OSSIPEE NH 03814

S: Rebecca L Thurston

Bk/Page: 3799/162, Date: 11/22/24

NO STREET GIVEN $183,500

B: David P Ross & Mariane Ross

BAddr: 7 Teton Ln MEDFORD MA 02155

S: Larrabee Joyce B Est & Diane Whiting

Bk/Page: 3799/199, Date: 11/22/24

NO STREET GIVEN

$35,000

B: John P Hartford Jr BAddr: 1334 Spiers Landing Rd CROSS SC 29436

S: Sean Fennell

Bk/Page: 3799/511, Date: 11/25/24 Tamworth

▶ REAL ESTATE SALES

409 DEPOT RD $395,000

B: A M Carruthers-Borelli & M B Carruthers-Borelli

BAddr: 149 Oak St NATICK MA 01760

S: Scott J Hale & Billie S Hale

Bk/Page: 3798/685, Date: 11/20/24

Mtg: Service Credit Union $316,000

Term: 2054 Rate: 6 3% Type: Adj

Use: 3 Bdrm Cape Cod, Lot: 59677sf Prior Sale: $167,000 (09/15) 42 PINE TRL

B: Lisa Lapierre

BAddr: 4 Crestview Ln WESTMINSTER MA 01473

S: Andrew D Zimher

Bk/Page: 3800/69, Date: 11/27/24

Mtg: Mid-Island Mortgage C $166,500

Term: 2054

Use: 1 Bdrm Camp/Cabin, Lot: 12197sf

Prior Sale: $60,000 (09/13)

NO STREET GIVEN $150,000

B: Anne Riecken

BAddr: Po Box 51 SOUTH TAMWORTH NH 03886

S: Franklin K Patterson Jr & Susan M Patterson

Bk/Page: 3798/797, Date: 11/20/24

Tuftonboro

▶ REAL ESTATE SALES

MOUNTAIN SHADOWS DR $706,000

B: Robert Hulse & Diane F Brennan-Hulse

BAddr: 6270 Quaker Neck Landing Rd CHARLESTOWN MD 21620

S: Rourke Fine Home Bldg LLC

Bk/Page: 3800/65, Date: 11/27/24

NH ROUTE 171 $550,000

B: Myvy Mountain Rd LLC

BAddr: Po Box 165 MELVIN VILLAGE NH 03850

S: Fred E Sargent, Tr for F And E Sargent Ft

Bk/Page: 3799/434, Date: 11/25/24

109 TUFTONBORO NECK RD $485,000

B: David Marriot, Tr for Jwm Generations T

BAddr: 9210 Corporate Blvd Ste 335 ROCKVILLE MD 20850

S: Paul D Granger

Bk/Page: 3799/330, Date: 11/25/24

Use: 3 Bdrm Chalet, Lot: 10019sf Prior Sale: $260,000 (06/18)

Wakefield

▶ REAL ESTATE SALES

DAVID DR $29,000

B: Paige Riv Hm And Dev LLC

BAddr: 25 Bartley St 2 WAKEFIELD MA 01880

S: Carol A Peterson

Bk/Page: 3799/431, Date: 11/25/24

10 HILLTOP DR $375,000

B: Seana F Marcoux

BAddr: 76 E Side Rd WAKEFIELD NH 03872

S: Rhoades Barbara J Est & Robert V Rhoades

Bk/Page: 3798/805, Date: 11/20/24

Mtg: Envoy Mtg LTD $368,207

Term: 2054

Use: 2 Bdrm Cape Cod, Lot: 47916sf

55 JENNIFER LN $710,000

B: Joshua Linden & Alyssa Linden

BAddr: 16 Northwoods Rd GRANBY CT 06060

S: Cheryl A Moschella & Glen J Stephen

Bk/Page: 3799/529, Date: 11/25/24

Mtg: CMG Mortgage Inc $300,000

Term: 2054

Use: 3 Bdrm Chalet, Lot: 65340sf

ROBINHOOD RD

B: Mary F Clark & James R Clark

Wolfeboro

▶ REAL ESTATE SALES

PINE HILL RD $60,000

B: David M Hughes

BAddr: 18 Dustin Dr BARNSTEAD NH 03225

S: Wolfeboro Town Of Bk/Page: 3799/589, Date: 11/25/24

PLEASANT ST $975,000

B: Lee S Apgar & Laura J Apgar

BAddr: 4 Lakeview Dr WOLFEBORO NH 03894

S: Gordon J Ling & Kathryn R Ling

Bk/Page: 3799/127, Date: 11/22/24

ROUTE 28 $375,533

B: Steve Flynn & Lorraine Flynn

BAddr: 1050 Center St WOLFEBORO NH 03894

S: Robert Viscio & Linda J Viscio

Bk/Page: 3799/909, Date: 11/26/24

261 TROTTING TRACK RD $449,000

B: Andrew Wenger

BAddr: 16 Crooked Spring Rd BILLERICA MA 01862

S: Trotingtrack Prop LLC

Bk/Page: 3799/553, Date: 11/25/24

Mtg: Lowell Five Cent Svgs $359,200

Term: 2054

NO STREET GIVEN $36,000

B: Christopher Clawson & Jodi Clawson

BAddr: 108 New Garden Rd WOLFEBORO NH 03894

S: Nathan Dickey

Bk/Page: 3799/1003, Date: 11/27/24

NO STREET GIVEN $145,000

B: Douglas Lamparter Jr

BAddr: 16 Alpine Meadows Rd WOLFEBORO NH 03894

S: Rourke Fine Home Bldg LLC

Bk/Page: 3799/995, Date: 11/27/24

Cheshire County

Anna Z. Tilton, Registrar 33 West St, Keene, NH, 03431

Alstead

▶ REAL ESTATE SALES

NO STREET GIVEN $50,000

B: Hunter Langworthy & Rebecca Williams

BAddr: 13 Rust Way N SWANZEY NH 03431

S: Michael R Bosely & Sharon A Bosely

Bk/Page: 3295/539, Date: 11/26/24

Chesterfield

▶ REAL ESTATE SALES

ROUTE 109 $275,000

B: Evan M Pratt

BAddr: Po Box 199 CHESTERFIELD NH 03443

S: David J Gale

Bk/Page: 3294/1287, Date: 11/21/24

Mtg: David J Gale $275,000

Dublin

▶ REAL ESTATE SALES

200 OLD PETERBOROUGH RD $443,000

B: Karissa F Koscheski & Seth Koscheski

BAddr: 1 S Spaulding Brook Rd BROOKLINE NH 03033

S: Jeremy R Reamer & Kariny Reamer

Bk/Page: 3295/204, Date: 11/22/24

Mtg: HarborOne Mortgage $354,400

Term: 2054

Use: 3 Bdrm Cape Cod, Lot: 348480sf

Prior Sale: $251,000 (05/20)

OLD TROY RD $1,550,000

B: Nicholas C Bienstock & Moira C Burnham

BAddr: 167 E 71th St NEW YORK NY 10021

S: Janet A Pyne, Tr for Justine E Auchincloss RET

Bk/Page: 3294/1237, Date: 11/20/24

172 VALLEY RD $500,000

B: Cody Pelletier & Katie Seppala

BAddr: 102 Hampshire Rd RINDGE NH 03461

S: Robert J Huxley & Tennille M Huxley

Bk/Page: 3295/84, Date: 11/22/24

Mtg: Stonewater Mtg Corp $500,000

Term: 2054

Use: 3 Bdrm Colonial, Lot: 182037sf

Prior Sale: $249,000 (10/17)

Fitzwilliam

$600,000

BAddr: 94 Emerald Point Rd WAKFIELD NH 03830

S: Scott M Emond & Laura C Emond

Bk/Page: 3799/626, Date: 11/25/24

ROUTE 16

B: Alaina Horn & Dustin Nailor

▶ REAL ESTATE

▶ REAL ESTATE SALES

5 GAP MOUNTAIN RD $285,000

B: Tobias J Perry

BAddr: 143 Columbus Ave PAWTUCKET RI 02860

$389,400

BAddr: 1226 White Mountain Hwy MILON NH 03851

S: S A Wilkinson-Morrill

Bk/Page: 3799/970, Date: 11/27/24

SHELIA LN

$362,000

S: Robin E Lowry

Bk/Page: 3295/660, Date: 11/27/24

Mtg: New American Funding $291,127

Term: 2054

Use: 3 Bdrm Conventional, Lot: 43560sf

S:

B: Brenda Som

BAddr: 38 Starrett Rd LYNN MA 01905

S: Lindsay M Platt-Bluemle

Bk/Page: 3799/986, Date: 11/27/24

Use: Condo

▶ REAL ESTATE SALES

34 LEISURE DR $200,000

B: Bradley W Dilorenza

BAddr: 1 Lafayettte Rd 2 HAMPTON NH 03842

S: Alexander Navaroli Sr

Bk/Page: 3799/481, Date: 11/25/24

Mtg: Neighbors Bank $202,020

Term: 2054

Use: 2 Bdrm Camp/Cabin, Lot: 36982sf

B: Timothy Conti & Jennifer Conti

BAddr: 46 Lord Ln MILTON NH 03851

S: Johnson Joy Est & Kiraberley Morel

Bk/Page: 3799/439, Date: 11/25/24

NO STREET GIVEN

$1,170,000

B: Garren R Hilow, Tr for Garren R Hilow 2021 T

BAddr: 1405 Tremont St DUXBURY MA 02332

S: Todd I Richards, Tr for Richards Ft

Bk/Page: 3798/779, Date: 11/20/24

48 NH ROUTE 119 W $415,000

B: Kamila B Hilton & Seth W Hilton

BAddr: 222 West St 103 KEENE NH 03431

S: Linda M Migliozzi

Bk/Page: 3295/404, Date: 11/26/24

Mtg: CMG Mortgage Inc $405,000

Term: 2054

Use: 4 Bdrm Colonial, Lot: 16117sf

Prior Sale: $204,000 (08/18)

ROCKINGHAM COUNTY

NO STREET GIVEN $305,000

B: Pamela Higgins-Mitchell

BAddr: 393 Rand Pond Rd GOSHEN NH 03752

S: Lynn P Gibson, Tr for Pariseau RET

Bk/Page: 2276/112, Date: 11/21/24

Plainfield

▶ REAL ESTATE SALES

52 BONNER RD $475,000

B: Scott A Hartman & Anna C Hartman

BAddr: 7647 Stemahrt Ln HANOVER MD 32076

S: Roland J Daniels Jr & Wanda D Daniels

Bk/Page: 2275/880, Date: 11/19/24

Mtg: Premia Mortgage LLC $451,250

Term: 2054

Use: 2 Bdrm Ranch, Lot: 32670sf Prior Sale: $35,000 (02/14)

Springfield

▶ REAL ESTATE SALES

NEW LONDON RD $85,000

B: Jeffrey K Soleau, Tr for Jeffrey K Soleau RET

BAddr: 125 Brockley Dr DELMAR NY 10254

S: John T Thornton, Tr for Patricia A Thornton T Bk/Page: 2276/565, Date: 11/26/24

$80,000

NO STREET GIVEN

B: Hillside Haven Lodge LLC

BAddr: 84 West Broadway Ste 200 DERRY NH 03038

S: Roger G Covey

Bk/Page: 2276/546, Date: 11/26/24

Sunapee

▶ REAL ESTATE SALES

68 BURKEHAVEN HILL RD U:A $729,000

B: Alesha Forget

BAddr: 39 Longview Dr NEWBURY NH 03255

S: Donald K Lamburn & Lynn M Lamburn

Bk/Page: 2275/995, Date: 11/20/24

Mtg: EMM Loans LLC $692,550 Term: 2054 Use: 4 Bdrm Condo, Lot: 43560sf Prior Sale: $345,300 (02/08)

4 FIELDSTONE DR $730,000

B: Dominic C Didominic 3rd & Katie L Didominic

BAddr: 4 Fieldstone Dr SUNAPEE NH 03782

S: Jean K Molloy, Tr for Jean K Molloy 2002 RET

Bk/Page: 2275/938, Date: 11/19/24

Mtg: Title Mtg Solution $645,000 Term: 2054 Use: 4 Bdrm Colonial, Lot: 81893sf Prior Sale: $486,700 (09/06)

37 HARBOR HILL RD $3,016,000

B: 37 Habor Hill LLC

BAddr: Po Box 2270 NEW LONDON NH 03257

S: Sunapee Harbor View LLC

Bk/Page: 2275/936, Date: 11/19/24

70 LAKE AVE $750,000

B: Jeffrey S Somers & Ruth A Somers

BAddr: 188 Ward St NEWTON CENTER MA 02459

S: Vincent P Smith & Mary V Smith

Bk/Page: 2276/604, Date: 11/26/24

Mtg: UBS Bank USA $585,000

Term: 2034

Use: 4 Bdrm Cape Cod, Lot: 78408sf Prior Sale: $195,000 (12/97) Unity

▶ REAL ESTATE SALES

200 BRITTON RD $155,000

B: Doris Henault & Robert B Mann

BAddr: Po Box 141200 UNITY NH 03743

S: Doris Henault

Bk/Page: 2276/594, Date: 11/26/24

Mtg: Claremont Svgs Bk NH $175,000

Term: 2044

Use: 1 Bdrm Cape Cod, Lot: 220414sf Prior Sale: $22,533 (06/17)

Washington

▶ REAL ESTATE SALES

NO STREET GIVEN $285,000

B: Idea S Faircloth & Vander T Faircloth

BAddr: 104 Half Moon Cir HYPOLUXO FL 33462

S: Jose J Botelho & Laura Jones

Bk/Page: 2276/364, Date: 11/22/24

Hampstead

Feugill, Bryan M, 94 Main St, Hampstead, 03841

D:12/04/24 Case#: 24-10819-KB

Plaistow

Gearhart, John R, 185 Plaistow Rd U:5, Plaistow, 03865-2815 D:12/04/24 Case#: 24-10818-KB

Chapter 13 Bankruptcies

*Filed: Office of the Clerk, US Bankruptcy Court District of New Hampshire

These allow for an adjustment of debt. An individual with a regular income proposes a plan to pay off debts from future earnings over a period of time between three to five years. Usually these payments are in full satisfaction of the debt, but may be a percentage of them. Upon completion, the debtor receives a discharge of all debts covered by the plan except child support and alimony, if applicable.

The name and mailing address of the person or entity filing the petition is followed by the filing date (D) and the case number (Case#)

CARROLL COUNTY

Wakefield

Kilroy, Mary-Elizabeth, 162 Crabapple Dr, Wakefield, 03872-4757 D:12/03/24 Case#: 24-10814-KB

Ashland

GRAFTON COUNTY

Hallock, Danny B, PO Box 1448, Ashland, 03217

D:12/02/24 Case#: 24-10812-KB

HILLSBOROUGH COUNTY

Merrimack

Hogan, Kimberly A, 14 Winding Brook Ln, Merrimack, 03054-2884 D:12/03/24 Case#: 24-10815-KB

MERRIMACK COUNTY

Concord

Higgins, Seneca J, 214 E Side Dr, Concord, 033015469 D:11/30/24 Case#: 24-10810-KB

ROCKINGHAM COUNTY

Londonderry

Groover, Garrett Wade, 6 Gordon Dr, Londonderry, 03053-2922 D:12/02/24 Case#: 24-10813-KB

Lien & Attachments

Canaan

Clark, Kimberly R, 551 Canaan St, Canaan, 03741-7628 Plaintiff: New Hampshire State Of D:11/27/2024 Amt:$27,254 Bk/Pg:4906/631

Tullman, Matthew L, 551 Canaan St, Canaan, 03741-7628 Plaintiff: New Hampshire State Of D:11/27/2024 Amt:$27,229 Bk/Pg:4906/632

Franconia

Koeller, Brian, 150 Forest Rd, Franconia, 03580

Plaintiff: Floor Works Nh-2 LLC D:11/26/2024

Amt:$5,000 Bk/Pg:4906/510

Lincoln

El Chapulin LLC, PO Box 728, Lincoln, 03251

Plaintiff: New Hampshire State Of D:11/25/2024 Amt:$13,757 Bk/Pg:4906/168

HILLSBOROUGH COUNTY

Amherst

Corral, Leslie, 1 Carriage Rd, Amherst, 030312933 Plaintiff: Usa Irs D:11/26/2024 Tax:1040 Amt:$82,847 Bk/Pg:9820/2965

Brookline

Bingham Lumber Inc, 89 Route 13, Brookline, 03033-2502 Plaintiff: Usa Irs D:11/26/2024 Tax:941

Amt:$39,327 Bk/Pg:9820/2964

Hillsboro

Penny, John, 45 School St, Hillsboro, 03244-4888

Plaintiff: Hillsborough Town Of D:11/26/2024

Amt:$30,438 Bk/Pg:9821/175

Hudson

Fernald, Michael G & Alicia M Fernald, 7 Brookfield Dr, Hudson, 03051-5002 Plaintiff: Usa Irs D:11/26/2024 Tax:1040 Amt:$183,227 Bk/ Pg:9820/2967

Manchester

Castle Enterprises Inc, 116 Dartmouth St, Manchester, 03102-4804 Plaintiff: New Hampshire State Of D:11/25/2024 Amt:$5,909 Bk/ Pg:9820/1314

Fam Five LLC, 8 Madeline Rd, Manchester, 03104-2015 Plaintiff: New Hampshire State Of D:11/26/2024 Amt:$9,759 Bk/Pg:9820/2525

Nebroar LLC, 33 Rose Ave, Manchester, 03103-5843

Plaintiff: New Hampshire State Of D:11/25/2024

Amt:$29,654 Bk/Pg:9820/1013

Ormonde, Rebecca L, 33 Rose Ave, Manchester, 03103-5843 Plaintiff: New Hampshire State Of D:11/25/2024 Amt:$29,704 Bk/Pg:9820/1024

Perry, Verna M, 1080 Montgomery St, Manchester, 03102-2757 Plaintiff: Usa Irs D:11/26/2024

Tax:6672 Amt:$284,461 Bk/Pg:9820/2966

Retaleato, Andrew P, 33 Rose Ave, Manchester, 03103-5843 Plaintiff: New Hampshire State Of D:11/25/2024 Amt:$97,839 Bk/Pg:9820/1025

Rosario, Jose, 8 Madeline Rd, Manchester, 03104-2015 Plaintiff: New Hampshire State Of D:11/26/2024 Amt:$9,809 Bk/Pg:9820/2536

Merrimack

ROCKINGHAM COUNTY

Epping

Hayes, Stephen J, PO Box 303, Epping, 03042

Plaintiff: New Hampshire State Of D:11/27/2024

Amt:$2,399 Bk/Pg:6589/648

Hampstead

Anthony, Thomas & Renee M Julio, 19 Shore Dr, Hampstead, 03841-2607 Plaintiff: Daniel Perry Builders LLC D:11/26/2024 Amt:$105,693 Bk/ Pg:6588/2799

Salem

Kelly Plaza LLC, 215 S Broadway U:314, Salem, 03079-3332 Plaintiff: New Hampshire State Of D:11/26/2024 Amt:$17,884 Bk/Pg:6588/2666

STRAFFORD COUNTY

Dover

Manning, Sean P, 80 Industrial Park, Dover, 038204332 Plaintiff: Usa Irs D:11/25/2024 Tax:1040 Amt:$426,419 Bk/Pg:5228/394

Farmington

Hills, Peter, 142 River Rd, Farmington, 03835-3628 Plaintiff: New Hampshire State Of D:11/26/2024 Amt:$3,564 Bk/Pg:5228/755

Foreclosure, Mortgagee & Other Lien Auctions

The schedule of recently published notices of mortgagee foreclosure sales is to be used only as a reference and index to the actual public notices. The Warren Group does not independently verify the listed information and disclaims all responsibility for the accuracy and completeness of this information. Readers are advised that foreclosure notices may contain errors with respect to any aspect of the property or the auction being noticed. TWG might not report subsequent corrections, if any. Listing of summary information for a notice is not intended to represent that a default has occurred. Any actual default which may have occurred may have been, or may be, cured at any time. The reader should contact the person or firm specified in the actual notice for any purpose (including, but not limited to, verification, current status, cancellation or postponement of the sale). Auctions may be cancelled or postponed at any time up to and including at the auction itself.

CARROLL COUNTY

Conway

Windham

01/29/25 11:00 AM 36 Blossom Rd

Owner:Amanda M Foley & William G Foley

Source:Manchester Union Leader (12/03/24) Atty:Brock & Scott Pllc

STRAFFORD COUNTY

Requests for Bids & Proposals

*Filed:

and

to the

receive a discharge relieving them from legal liability for the payment of provable debts listed in the petition with some specific exemptions, most notably taxes and support payments. The name and mailing address of the person or entity filing the petition is followed by the filing date (D) and the Case # (Case#)

HILLSBOROUGH COUNTY

Amherst

Bouchard, Kara, 68 Broadway, Amherst, 03031

D:11/30/24 Case#: 24-10811-KB

Goffstown

Gosselin, Joyce M, 31 Cove St, Goffstown, 030452680 D:12/04/24 Case#: 24-10816-KB

MERRIMACK COUNTY

Henniker

Nunley, Ryan A, 999 Weare Rd, Henniker, 03242

D:12/04/24 Case#: 24-10817-KB

*Filed: Registry of Deeds. The Registry Review provides notice of the filing of Writs Of Attachments, RSA72: 38-a Liens and other Liens in the various County Registries. Liens are filed for any number of reasons including some which have little or no bearing on the credit worthiness of the parties involved. Also, many liens are released shortly after they are filed. Readers are further cautioned that the same lien may be filed in more than one county. Since The Registry Review reports lien filings in each county, the same lien may appear in one or more county listings in any issue or in multiple issues. In accordance with standard Registry Review policy and especially with respect to liens, readers are cautioned to investigate all public records and other circumstances surrounding the filing of any lien in which they are interested. No other action should be taken or opinions formed based solely on information published in The Registry Review. Types of tax include: 941 FICA and Withholding Tax; 940 Federal Unemployment Tax; 1040 Individual Income Tax; 2290 Highway Use Tax; 1120 Corporate Tax; 720 Excise Tax

BELKNAP COUNTY

Belmont

23 Messer St LLC Psge Hou, 124 Rogers Rd, Belmont, 03220-3730 Plaintiff: New Hampshire State Of D:11/26/2024 Amt:$20,921 Bk/ Pg:3655/155

Gilford

Jp Transport LLC, 1963 Lake Shore Rd, Gilford, 03249-7657 Plaintiff: New Hampshire State Of D:11/26/2024 Amt:$9,540 Bk/Pg:3655/156

CARROLL COUNTY

Effingham Foster, Timothy J, 146 Wilkinson Swamp Rd, Effingham, 03882-8537 Plaintiff: New Hampshire State Of D:11/26/2024 Amt:$2,209 Bk/Pg:3799/966

GRAFTON COUNTY

Bristol

Bristol House Of Pizza LL, 115 Lake St, Bristol, 03222-3570 Plaintiff: New Hampshire State Of D:11/25/2024 Amt:$10,420 Bk/Pg:4906/87

Babin Enterprises LLC, 48 Toby Cir, Merrimack, 03054 Plaintiff: New Hampshire State Of D:11/27/2024 Amt:$1,712 Bk/Pg:9821/859

Cmc Hospitality LLC, 18 Rocky Ledge Rd, Merrimack, 03054-6628 Plaintiff: New Hampshire State Of D:11/25/2024 Amt:$27,922 Bk/ Pg:9820/1527

Medley, Walter D, 3 Benning Ct U:413, Merrimack, 03054 Plaintiff: Usa Irs D:11/26/2024 Tax:1040 Amt:$43,052 Bk/Pg:9820/2963

Williams, Cythia A, 18 Rocky Ledge Rd, Merrimack, 03054-6628 Plaintiff: New Hampshire State Of D:11/25/2024 Amt:$40,112 Bk/Pg:9820/1581

Williams, Michael B, 18 Rocky Ledge Rd, Merrimack, 03054-6628 Plaintiff: New Hampshire State Of D:11/25/2024 Amt:$40,087 Bk/ Pg:9820/1556

Nashua

A & A Industrial An LLC, 38 Spring St U:1555, Nashua, 03061-5665 Plaintiff: Usa Irs D:11/26/2024

Tax:940 Amt:$1,912 Bk/Pg:9820/2968

Alpha Drywall & Const LLC & Ryan Haggerty, 8 Stark St, Nashua, 03064-2147 Plaintiff: New Hampshire State Of D:11/25/2024 Amt:$836 Bk/ Pg:9820/1319

Mazuera, Beatriz, 34 Canal St, Nashua, 03064-2805 Plaintiff: New Hampshire State Of D:11/27/2024

Amt:$4,032 Bk/Pg:9821/1085

Weare

Cook, James T & Sarah F Cook, 209 Colby Rd, Weare, 03281-5508 Plaintiff: Usa Irs D:11/26/2024

Tax:1040 Amt:$101,014 Bk/Pg:9820/2962

White, Elaine, 173 S Stark Hwy, Weare, 03281-5531 Plaintiff: New Hampshire State Of D:11/25/2024 Amt:$35,945 Bk/Pg:9820/972

White, Kenneth A, 173 S Stark Hwy, Weare, 03281-5531 Plaintiff: New Hampshire State Of D:11/25/2024 Amt:$34,870 Bk/Pg:9820/970

MERRIMACK COUNTY

Bow

Ledoux, Marcel G, 35 Tonga Dr, Bow, 033044819 Plaintiff: Usa Irs D:11/27/2024 Tax:1040 Amt:$90,290 Bk/Pg:3875/1677

Concord

Jensen, Walter J & Sharon H Jensen, 195 E Side Dr, Concord, 03301-5441 Plaintiff: Usa Irs D:11/27/2024 Tax:1040 Amt:$296,998 Bk/ Pg:3875/1676

Mcneil, Michael K, 69 Shawmut St, Concord, 03301-8614 Plaintiff: New Hampshire State Of D:11/25/2024 Amt:$6,318 Bk/Pg:3875/344 Northfield

Deprofio-Kondr, Victoria T, 186 Reservoir Rd, Northfield, 03276-4505 Plaintiff: New Hampshire State Of D:11/26/2024 Amt:$3,214 Bk/ Pg:3875/1308

12/20/24 11:00 AM 3181 W Side Rd

Owner:Richard J Schartner & Nancy P Scharter

Lender:Farm Credit East ACA Deposit:$10,000 Doc#:* D:10/15/10

Source:Manchester Union Leader (12/02/24)

Atty:Devine Millimet & Branch 603-669-1000

CHESHIRE COUNTY

Dublin

01/30/25 04:00 PM 1639 Main St

Owner:Jessica Pomakis

Lender:Guild Mortgage Company Deposit:$5,000

Doc#:* D:03/11/22

Source:Manchester Union Leader (12/03/24)

Atty:Brock & Scott Pllc

Winchester

01/27/25 12:00 PM 55 Gunn Mountain Rd

Owner:Matthew Bechard

Lender:CMG Mortgage Inc Deposit:$5,000

Doc#:* D:08/16/19

Source:Manchester Union Leader (12/03/24)

Atty:Harmon Law Offices Pc 603-669-7963

HILLSBOROUGH COUNTY

Manchester

01/07/25 01:00 PM 30 Priscilla Cir

Owner:William J Woitkiewicz

Lender:Allied First Bank Deposit:$5,000

Doc#:* D:06/30/23

Source:Manchester Union Leader (12/02/24)

Atty:Leopold & Associates Pllc 914-219-5787

Peterboro

01/15/25 11:00 AM 135 Hunt Rd

Owner:Peter Leblanc & Lisa Leblanc

Lender:NEW HAMPSHIRE HSNG FI Deposit:$5,000

Doc#:* D:03/15/24

Source:Manchester Union Leader (12/02/24)

Atty:Craig Deachman & Associat 603-665-9111

ROCKINGHAM COUNTY

Epping

01/10/25 01:00 PM 82 Main St

Owner:Blair P Kirtland

Lender:Pennymac Loan Services LL Deposit:$5,000

Doc#:* D:05/04/16

Source:Manchester Union Leader (11/29/24)

Atty:Harmon Law Offices Pc 603-669-7963

Hampstead

01/28/25 03:00 PM 13 Squire Ridge Rd

Owner:Tiffany Clark

Lender:Lakeview Loan Servicing L Deposit:$5,000

Doc#:* D:09/02/15

Source:Manchester Union Leader (12/03/24)

Atty:Brock & Scott Pllc Plaistow

12/19/24 11:00 AM 122 Plaistow Rd Rd

Owner:Philip J Scudert & Robert P Barsamian

Lender:122 PLAISTOW RD LLC Deposit:$50,000 Doc#:* D:09/30/21

Source:Manchester Union Leader (11/29/24)

Atty:Gallagher Callahan & Gart 603-228-1181

A Homebuyer’s Glossary of Key Terms to Know

“Vive la difference” is a French phrase that encourages us to celebrate differences, usually among people. But real estate has its differences, too – like the difference between spec houses and custom-built homes, or between a pending sale and a completed one.

Let’s examine a few of these distinctions, which homebuyers should be familiar with.

New houses. Builders who put up entire subdivisions are building “production” houses: homes that are built for the masses. Usually, they don’t start construction until they have a signed contract, but sometimes they move ahead with a house that has yet to be sold. In those cases, they are speculating that a buyer will come along soon – hence the term “spec” houses.

“Custom” houses, on the other hand, are usually one-of-a-kind, architect-designed homes built for one buyer and one buyer only. With a production house, builders have made most of the design choices for you; all you have to do is pick the finishes. With a custom house, you choose everything. It may sound fun, but it’s a chore most people say they would never do again.

Also, some production builders allow their buyers to make more substantial design changes to their models, which then are called “semi-custom” houses.

Style. You can put any type of facade on a house – colonial, modern, traditional and so on – but there are only four basic plans: two-story, one-story, split-level and bi-level. And while single-floor houses can be called ramblers or ranches, the terms mean the same thing.

Who Does What?

Agents. There are more than 1 million real estate agents and brokers plying their trade throughout the country, but not all of them are Realtors. To be called the latter, you have to be a member of the National Association of Realtors. In and of itself, being a Realtor does not make an agent any better or worse, although Realtors are supposed to abide by a detailed rulebook, have extra training and a code of ethics maintained by the association that might go beyond what a state’s regulations might require.

Loan officers and mortgage brokers aren’t the same, either. Loan officers work for banks or lenders and only write loans offered by their institutions. Brokers, on the other hand, are independent agents who originate mortgages for any number of lenders. They tend to offer a broader array of products.

Sold. A house is sold only when all the documents are signed at closing and money changes hands. Many agents post “Sold” signs on properties as soon as the seller gives their blessing, but the place ain’t sold until settlement. Until then, the seller can entertain more offers and even hold some as back-up contracts in case the original deal falls through.

A “Pending” sign offers another meaning: It tells other would-be buyers the seller has accepted an offer, all contingencies in the contract have been satisfied or removed, and the deal is heading toward closing.

Preapproved. In the financing world, there’s a big difference between being preapproved and prequalified. Generally speaking, with preapproval, a real estate agent or lending professional takes a look at your credit, debt, income and assets, then estimates how much you may be able to borrow. That information, and the amount you have put away for a down payment and closing costs, indicates roughly how much you can spend on a house.

But a preapproval is virtually worthless – so much so that it’s called a “Swiss cheese loan commitment” because it’s riddled with holes that lenders can use to deny your application. These days, agents and sellers won’t even talk to you unless you are prequalified for financing.

“Prequalified” means that you have been actually cleared for a mortgage at a certain amount. As long as the valuation of the house supports the price you’re paying and does not exceed your maximum, you are good to go.

What’s in a Home?

Examinations. A home inspection is different from a final walk-through. With an inspection, the buyer hires a professional to go over the house, top to bottom, looking for any defects, flaws or faulty systems and ap-

pliances. Armed with the inspector’s report, the buyer can make a decision on whether to proceed.

The final walk-through, by contrast, is when the buyer visits the house a few days prior to closing to make sure all the requested repairs have been completed to their satisfaction. This final look-see is also a chance to make sure the house is clean and possibly discover problems the inspector missed.

Remodel. There’s “remodel,” which is changing something in the house for the better – say, an all-new kitchen or bathroom. Then there’s “renovate,” which is almost an entire makeover. And there’s also “restoration,” which is returning a house to its original state.

Unless your property is historic, a restoration usually only occurs after a fire or other disaster. In those cases, the insurance company will pay to have the house restored to the way it was before the covered event. It will not pay for any upgrades or improvements; if you want to make the house better while you’re at it, that’s on your own nickel. If the house has some historical significance, a restoration would hearken back to its original design, often using authentic materials and components from the time when the house was constructed.

Lew Sichelman has been covering real estate for more than 50 years. He is a regular contributor to numerous shelter magazines and housing and housing-finance industry publications. Readers can contact him at lsichelman@aol.com.

Enterprise Bank to Be Bought by Big Mass. Lender

Enterprise Bank, the Lowell, Massachusetts-based lender that has an eightbranch footprint in Southern New Hampshire, is getting snapped up by one of the two biggest Massachusetts-based banks.

Rockland Trust, based in Boston’s southern exurbs, has announced that it plans to acquire Enterprise in a cash and stock transaction valued at $562 million.

Combined merger-related charges are expected to be approximately $61.2 million before tax, in the aggregate, the bank said.

“Enterprise Bank is the perfect merger partner for Rockland Trust, consistent with all aspects of our outstanding long-term merger track record. Rockland Trust and Enterprise Bank share a deep commitment to strengthening our local communities by putting people and relationships first. Both institutions believe that banking is about making a meaningful, positive difference in the lives of local families and businesses,” Rockland Trust President and CEO Jeffrey Tengel  said

in a statement. “We look forward to extending Rockland Trust’s footprint in northern Massachusetts, as well as entering the New Hampshire market. Together, our combined institution will bring expanded convenience and additional products and services to the communities we are proud to serve.”

The merger is expected to close in the second half of 2025 subject to regulatory approvals and the approval of Enterprise shareholders.

Rockland Trust’s public holding company, Independent Bancorp, plans to issue 7.5 million shares of its common stock and paying $27.1 million to effectuate the deal. Additionally, as part of the transaction, Independent also plans to raise approximately $250 million in subordinated debt.

Centrix Bank & Trust in 2014. Its footprint in the Granite State grew further when it merged earlier this year with Cambridge Trust, the 2019 acquirer of Optima Bank & Trust.

As of Sept. 30, Enterprise Bank had $4.7 billion in total assets, $3.8 billion in net loans, $4.2 billion in deposits, and $1.5 billion in wealth assets under management and administration. After the acquisition, Rockland Trust will have approximately $25 billion in assets and $8.7 billion in wealth assets under administration plus $20 billion in deposits, according to the bank’s announcement.

Following its own merger with Cambridge Trust, concluded over the summer, Eastern has a total assets of $25.5 billion under its banking subsidiary and $8.4 billion in assets under management its Cambridge Trustbranded wealth management division. Total deposits sat at $21.22 billion as of Sept. 30.

The merger is expected to close in the second half of 2025 subject to regulatory approvals and the approval of Enterprise shareholders.

The merger will bring Rockland Trust back to near-parity with its chief local rival, Boston-based Eastern Bank. Eastern has had a presence in New Hampshire since it bought

Enterprise Bank board chair George Duncan will become an advisor to board of Independent Bancorp. and Steven Larochelle, CEO of Enterprise, will act as a consultant for Rockland Trust for one year. Additionally, Independent Bancorp. will appoint two Enterprise directors to its board following the merger.

“From the very start, Enterprise Bank has been dedicated to helping our communities succeed. That vision has inspired our longstanding commitment to our customers’ success, product innovation and community service,” Larochelle said in a statement. “We are excited to join an organization that lives these same values. Our customers will benefit from the additional products, services and technology Rockland Trust offers while continuing to experience the personal relationships they deserve.”

Enterprise was founded in 1989 in Lowell and has 27 full-service branches in Massachusetts and New Hampshire. Rockland said it does not plan to close any Enterprise Bank branches and intends to maintain a significant presence in Lowell. Rivals Eastern have eight branches in New Hampshire while Rockland Trust will also have eight in the state if the merger closes.

Enterprise has commanded 0.74 percent of the state residential purchase mortgage market and 1.24 percent of the residential refinance mortgage market through Oct. 31 according to data from The Warren Group, publisher of The Registry Review.

Warren Group data also shows the bank made $33.67 million worth of commercial purchase mortgages in 2023, and $19.07 million through Oct. 31 of this year, plus $106.93 million worth of commercial refis in 2023 and $40.15 million so far this year.

Construction Costs, Rent Increase Limits Weigh on Multifamily Outlook

“We’re seeing an uptick in investor activity,” said Biria St. John, vice chairman of brokerage firm CBRE’s Boston office, which covers much of New England, including New Hampshire. “Despite the run-up in [Treasury yields], investors have kept going. They’re taking the long view.”

The Cautiously Optimistic

Nazar Vincent, the principal owner of Bridgewater Development and Avatar Construction, is bullish on multifamily housing –at least in Manchester.

The Massachusetts-based construction collaborative, which has an office in Salem, is currently constructing the 77-unit Grand Central Suites in downtown Manchester. The complex at 21 Central Street is now about 60 percent complete.

Meanwhile, Vincent’s firms are planning to build a 262-unit apartment complex at 533 Elm Street in Manchester. The project has already been approved by the city Zoning Board of Appeals, he said.

The ultimate driver of the projects: strong demand for housing in New Hampshire.

But Vincent acknowledged that his projects benefit from two other factors that not all multifamily investors and developers can emulate. First, his two companies can work more easily together to get complicated projects off

the ground. And second, the firm is taking advantage of key government policies to build in Manchester, which has an officially designated “Opportunity Zone” designed to spur economic development via tax incentives. So-called “Opportunity Zones” were created by the federal government in 2017 and grant special tax treatment for real estate investments made in them.

Vincent said there are concerns moving forward, such as whether rents will remain high enough to support new multifamily construction. He also expressed frustration with rising construction costs.

But he said he’s cautiously optimistic about the multifamily housing sector in Manchester.

“If the Fed lowers the interest rate by a least a [percentage] point, we’re going to be in really good shape,” he said. “I’m also hedging on Donald Trump and what he does. He really knows real estate and what the industry needs.”

CBRE’s St. John agreed there are worrisome signs in the market that could hamper the multifamily sector, including higher Treasury yields and questions about rental rates moving forward.

But he said the pluses still outweigh the minuses when it comes to the multifamily brokerage business.

He noted his office expects to close its New England multifamily brokerage activity at about $1.7 billion by the end of 2024, up from $1.6 billion in 2023.

In 2025, he said he expects another modest increase.

In particular, he said New Hampshire has become an attractive market for multifamily investors, due to its strong economy, businessfriendly tax policies, and solid rent rates.

“New Hampshire has really caught investors’ interest,” he said.

The More Cautious

Some may see signs of improvement on the multifamily-housing front.

But Chris Logan, president and CEO of the Bank of New Hampshire, isn’t one of them, noting multifamily construction loans haven’t picked in any discernable way at his bank.

“Our volume has been flat year-over-year,” he said. “And I see 2025 flat as well.”

As for new multifamily developments, a pair of factors are hampering the sector: higher finance and construction costs, he said.

“We’d love to see more multifamily activity, but much depends on the economy,” he said.

Skepticism on Rent Increases

Norton, of Norton Asset Management, said there’s looming challenge facing multifamily projects: How much higher can rents go when construction costs keep going up and debt costs aren’t going down?

Norton said he’s seen studies showing some people are paying up to 50 percent of their income on rent.

“When you hit those levels, there isn’t much more room to go,” he said. “The rents can’t keep going up like they have.”

“Despite the run-up in [Treasury yields], investors have kept going. They’re taking the long view.”

– Biria St. John, vice chairman of of brokerage, CBRE New England

“Those two costs are straining the possibilities out there,” he said. “The economics of multifamily projects are challenging.”

He said one builder has told him that even with today’s high rents in New Hampshire, the economics of multifamily development are still daunting.

“Many [developers] have hit the pause button,” he said. “They’re looking at whether the fundamentals will change enough.”

As for investors looking to buy existing

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