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540 Concord St, Manchester, NH, 03104

3beds
2baths
1,811sqft
$489,900
$271price/sqft
$3,710/moest. monthly cost
$148,400/yrincome needed

About This Home

Back on the Market pending signed releases. You'll fall in love the minute you arrive at this Classic Cape Codder. Its unique and flexible floor planfeatures a first floor primary suite (added in 2008) with a private bath, a separate sitting room (or second bedroom), and an additional room that serves perfectly as awalk-in closet (or bedroom). The well appointed kitchen, complete with an island and an incredible corner hutch, is sure to delight any chef. The inviting beamed livingroom showcases a wood burning fireplace, beautiful built-ins, and timeless character, making it the perfect place to relax. A 1/2 bath off the kitchen rounds out the mainfloor. Upstairs, you'll find a second primary suite with its own private bath (plus washer and dryer) and generous closet space. The partially finished basement offers awood stove and abundant space ready for your finishing touches...ideal for a family room, recreation area, or office. Throughout the home, you'll appreciate the beautifulperiod details, including extensive built ins, crown molding, glass doorknobs and exceptional woodwork. Enjoy peaceful mornings or quiet evenings on the charming brickfloored three season porch or private courtyard, just off the kitchen. An outstanding bonus is the expansive space above the detached two car garage, offering endlesspossibilities as a private office, fitness room, guest suite, or studio. Recent updates include all rooms freshly painted, beautiful hardwood floors, new carpet in 1st floorbedroom and newer second floor windows. A short walk to Derryfield Park and convenient location to major highways. Don't miss out on this exceptional property. Thelot to the side of the house can be purchased separately.

Getting Around

67
WalkingSomewhat Walkable
0
TransitVery Limited Transit
33
BikeSomewhat Bikeable

Schools

4/10
Mcdonough SchoolGrades PK-40.1 mi
4/10
Hillside Middle SchoolGrades 5-80.4 mi
3/10

Construction

Condition

  • Year built: 1930

Materials

  • Foundation: Concrete Perimeter
  • Roof: Shingle
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily
  • Architectural style: Cape
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Range,Dishwasher,Microwave,Refrigerator,Washer,Dryer

Basement

  • Has basement: Yes
  • Basement: Partially Finished

Bathroom1

  • Level: Second
  • Area: 138

Bathroom2

  • Level: First
  • Area: 45

Bedroom2

  • Level: First
  • Area: 172.5

Bedroom3

  • Level: First
  • Area: 172.5

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/2 bathrooms: 1

Family Room

  • Level: Basement
  • Area: 496

Features

  • Home Office
  • Flooring: Tile,Carpet,Hardwood
  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area below ground: 400
  • Finished area above ground: 1,811

Heating & Cooling

  • Heating features: Forced Air,Natural Gas,Wood Stove
  • Cooling features: Other

Interior Area

  • Total structure area: 1,811
  • Total interior livable area: 1,811 sqft

Kitchen

  • Level: First
  • Area: 258

Living Room

  • Level: First
  • Area: 317.25

Master Bedroom

  • Level: Second
  • Area: 266

Office

  • Level: First
  • Area: 63

Property

Details

  • Parcel number: M:0089 B:000 L:0025A,342229
  • Zoning: Res

Features

  • Patio & porch: Porch,Screened
  • Exterior features: Porch,Porch - Screened

Lot

  • Lot size: 6,764 sqft
  • Features: Level

Parking

  • Total spaces: 6
  • Parking features: Detached,Storage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Uncovered spaces: 4

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Ice Storm
Lightning
Winter Weather

FEMA Declared Disasters Across New Hampshire Counties

Flood
Snowstorm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,477$29,724
Home Insurance $134$1,608
Property Taxes $816$9,792
Electricity $283$3,398
Total$3,710$44,520

Income You'd Need if You Spent...

35% on housing$127,200/yr
40% on housing$111,300/yr
45% on housing$98,933/yr

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 9.3%
9.3%
0%30.0%
Electricity Growth Rate10-year average: 8.6%
8.6%
0%15.0%
Property Taxes Growth Rate2-year average: 0.0%
0.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$271This listing

vs Other Active Listings

Avg $/sqft

ZIP 03104$237
Hillsborough County$264

vs Homes Sold Last Month

Median $/sqft

ZIP 03104$279
Hillsborough County$277

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-08-17Listed for sale$489,900
2026-08-07Pending sale$489,900
2026-07-29Listed for sale$489,900
2026-05-25Listing removed$3,000
2026-05-12Listed for rent$3,000
2023-04-29Listing removed--
2023-04-14Listed for rent$2,800
2022-06-05Listing removed--
2022-05-31Listed for rent$2,800
2021-03-24Listing removed--
2019-04-27Listing removed$2,600
2019-04-02Listed for rent$2,600
2018-05-01Sold$250,000
2018-04-18Listing removed$2,200
2018-03-25Listed for rent$2,200
2006-05-01Sold$289,900
2003-11-14Sold$222,000

For Sale by Agent

AgentMeri Reid
BrokerageBerkshire Hathaway HomeServices Verani Realty

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