354 Nashua St Milford, NH aka Conant House c1782


This remodeled antique home and offices are now on the market.  Character, mixed use, expansion potential in barn, public utilities and on over half an acre. Traffic count is 13,000 daily and two curb cuts on Route 101A with parking lot, as well as a private driveway on Vine Street.
Excellent street presence and curb appeal!

  • Keep it offices…
  • Medical? It is currently a Naturopathic Clinic
  • Prior owner ran a Veterinarian office (Classic Cat Clinic).
  • Make a 1-floor in-law suite: aka ADU- accessory dwelling unit.
  • Open an inn. It was Victoria Place at one point.
  • Daycare?
  • Need a workshop…most of the huge barn is still unfinished and one of the L’s was used as a work-shop.

    More details on the blog: history, zoning info, and more photos:  https://conanthouse.wordpress.com/

Residential: MLS Listing

Commercial: MLS Listing

-Just my thoughts. Jenn


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Conant House c1782 Milford, NH

    I started a special blog for a special house.  A beautiful antique colonial located at 354 Nashua Rd in Milford, NH.  This is a mixed use property…it’s zoned Residential but Milford has a special overlay district called the “Nashua and Elm St. Corridor Overlay District.”   A perfect situation if you always wanted to be located close to your office, but still keep it separate.

     Currently it’s a medical clinic, prior- a vet, and before that it was an inn.  The living area is completely separate from the office space.  It includes a waiting room, reception office, kitchenette, 3 offices, and a conference room on 2nd floor.

I’ll be adding photos in the next couple weeks, just had a huge estate sale and the place needs to be put back together!

The Conant House c1782 Milford, NH


The Conant House c1782 354 Nashua St, Milford, NH 03055

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What is an Expansion Cape? #RealEstateTerms



My Very 1st House in Hudson, NH- An Expansion Cape

What is an expansion cape, first we need to know what is a cape style house?  Originally a “Cape Cod” is considered folk architecture spanning the early settlements of the United States of America (Cape Cod Massachusetts).  Typically one floor, with side gabled roof-lines, and low to the ground because of the flat terrain and heavy winds off the ocean of Cape Cod.  The siding was weathered grey wood shingles…only the wealthy could afford to paint the houses white, and then it was only the front.  This is only the beginning of the history of a cape, it’s one of the early styles built in America for the harsh Cape Cod environment.

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Jenn’s Favorites

The design evolved over the years, roof-lines became steeper to allow for 2nd floor living areas, they became much larger, and many embellishments where added to the basic design. One of my favorite books on the subject is: A Book of Cape Cod Houses by Doris Doane, and of course my trusty Field Guide to American Houses by Virginia & Lee McAlester.

An expansion cape is when the Cape you’re buying isn’t finished on the second floor.  The key here is that there’s already a FULL staircase to the 2nd floor…it’s not just an attic.  Most expansion capes I’ve run into have the sub-floor in, electrical, the ceiling and floors are insulated, and some have the plumbing brought up to make it easy to add a bathroom. This allows for somebody to buy a modest house, and easily expand in the future = SWEAT EQUITY.


Messy rendering of square footage calculations.

Just my thoughts. -Jenn

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How Is An Equalization Ratio Used In NH Property Tax Calculations?



First, what is it? “Equalization is the process where the state makes adjustments to each municipality’s locally assessed values to calculate the estimate 100% value of the municipality.” NH Dept. of Revenue Administration

Simply put, it helps adjust your real estate’s assessed value to meet the current market value.   Sometimes the assessment may not be up to date.  Your town assessor determines what your real estate is valued at using different techniques than an appraiser.  It’s not updated as quickly as the real estate market changes and why the assessment ratio is needed.

So to balance out the difference, and bring the assessment up to market value, the ratio is applied and that value is used to determine your total property tax…not the assessment value.

Total Assessed Value (AV)
Total Market Value (MV)
= Equalization Ratio

If the town is at a 100% equalization ratio, then the Assessed Value is what’s applied to the tax rate.

You can find the equalization ratio’s by municipality on the
Department of Revenue Administration’s website:

2015 : http://revenue.nh.gov/mun-prop/property/equalization-2015/index.htm
2016’s will not be done until early 2017, after all the tax rates are determined: http://revenue.nh.gov/mun-prop/property/equalization-2016/index.htm

-Just my thoughts, simply.  Jenn

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17 Lamson Dr in Merrimack, NH for Sale




StoneWallStepsSMALLRemodeled raised ranch in south Merrimack, close to everything!  New kitchen with granite counter-tops opens up to the living room with large picture window.  All the wood floors: in living, hallway, and bedrooms have been refinished.  The bath was expanded and updated as well.  As you walk outside onto the new multi-tiered deck, you can see the multi-tiered gardens, planting bed around the rock outcroppings, a fire-pit, plum and sweet cherry trees.  A large finished family room and den finish off the basement that leads to the extra deep 1-car garage.

Click for listing details MLS4491106

Please email me for more details:

Click for larger image:WassermanParkGIS

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190 Baboosic Lake Rd in Merrimack, NH


Slideshow Video of 190 Baboosic Lake Rd. in Merrimack NH

The Barron House c1771

190 Baboosic Lake RdPreserved antique Colonial with heavy timber framing, wide-plank pine floors and wainscoting, 5 fireplaces, period trim, Moses Eaton stencils, and perennial gardens make this a very special place!  The home has a rich history dating back to pre-revolutionary times documented in the “History of Merrimack, NH, Volume I.”

The formal living and dining rooms flank the front staircase.  The keeping room runs the length of the house, a grand fireplace with beehive oven. Heading towards the back you have the large kitchen, half bath, laundry, and then you enter the large mudroom/library to access the 2-car attached garage.

Over the barn there’s a finished living room, kitchen, bedroom, and bath with separate electrical and natural gas furnace. A two-car garage with generator hook-up, walk up attic with more wide plank flooring.  The fieldstone foundation has a concrete floor, 200 amp service, chestnut beams, and many secrets.

MLS 4477896: Click for an Interactive Listing Sheet
on’t forget to like my Facebook Page: http://www.facebook.com/topnhhomes

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15 Arrow Ln in Amherst NH


This gallery contains 5 photos.

Property in Amherst NH with acreage for sale. Continue reading

Types of Condominiums – the basics

There are many types of condo’s and sometimes it can get confusing for a beginner.  These terms are architectural styles, not legal descriptions. So here are a few of the most common styles in New Hampshire and Massachusetts.

  • garden style condo nashuaGarden – very similar to an apartment… typically one floor, smaller, and a bunch of units in 1 building, common hallways, etc. Least amount of privacy. They can look like apartments, what’s the difference: Condo vs Apartments
  • TownhouseTownhouse –these are typically side by side, one or more stories with a common wall on one or 2 sides.  Offers more privacy.
    home for sale in pelham nh
  • Detached – these are individual units and look like a house. Offers the most privacy.
  • Condex – this has it’s own blog post, they are specific to this New Hampshire and Massachusetts: Condex Basics

One thing remains the same with all of the above…the land is owned in common with all the unit owners in the condominium development.

-Just my thoughts.
Jennifer Cote

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Condominium versus Apartment 101


2014-02-28 11.27.51

High-rise Apartment Buildings Perhaps

In different areas of the world these terms may mean something very different.  I have many clients who move here from abroad so this is for them.  Here are the basics for any newcomers.

An apartment you would rent, no ownership, and is typically one floor, smaller in size, and in a common building.  Somebody else owns the building, owns the unit, can dictate what you do to the unit, and sets the rent.  Rents can change over time.

A condo you own what’s between the walls of the unit.  There are common areas (the grounds, the streets, the swimming pool, etc.) that are owned in common with the other unit owners in the development.


Townhouse Condominiums

All these common areas, amenities, and maintenance cost money. So condominiums developments have condo fees, AKA homeowner association fees, to pay for these items. These condominium association fees typically cover the common areas,  exterior items like the siding and roof, trash pick-up, road maintenance, etc.

There are also homeowner associations(HOA) consisting of owners in the development.  They must act in accordance to the recorded condominium documents and bylaws that where formed when the development was approved.  This group will make decisions on how to run the development, they can set the rules(covenants), and will usually be the ones to set the HOA fees.

Most associations hire a management company to handle the daily responsibilities, from selecting landscaping companies, getting contractor bids, responding to inquiries, or handling the financial aspects of the condominium development.

So what’s the difference: you owning the space(more control) OR somebody else owning it (less control).

Just my thoughts.

Check out my blog post about types of condominiums.

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Nashua Detached Condo with 2-Car Garage For Sale


1$175,000 for this 3-bedroom detached condo. Backs up to common area, large rooms, even a 2-car garage! Condo fees include exterior maintenance, siding, roof, even plowing the driveway!  Great property for investor.  This is a short-sale, being sold as-is.

Click for Craigslist Flyer with more Pictures

Additional Posts:
Top 5 Things to Consider when Doing a Rehab Loan
The Short Sale Chronicles with Jenn


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