108 Prospect St, Troy, NH 03465 Property Records

Cheshire County and Troy Town property record for 108 Prospect St, Troy, NH 03465

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,245 sqft · built 1890
Lot Size	0.47 acres (20,473 sqft)
Owner	2 Individual Names on Record
Last Sale	$129,000 (Sep 2018)
Tax Bill	$5,211 (2025)
Deeds & Mortgages	Jan 2023 Refinance Sep 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`TROY M:018 B:0034 L:0000`

Property Details

APN / Parcel Number

Primary APN	`TROY M:018 B:0034 L:0000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,245 sqft Living Area
Gross Area	2,460 sqft
1st Floor Area	753 sqft
Basement Area	588 sqft
Unfinished Basement	588 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Metal
Lot Area	20,473 sqft (0.47 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	108 PROSPECT ST
City	TROY
State	NH
Zip	03465-2419
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDE
Legal Block	34
Jurisdiction	TROY TOWN NH
Township / Civil Division	TROY
Census Block Group	4
Census Block	4019
Census Tract	970800

Owner

Source: Cheshire County and Troy Town records, as of July 28, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	108 PROSPECT ST, TROY, NH 03465-2419
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 4, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance SERVICE CU
Sep 28, 2018	Warranty Deed, Transfer · Conventional Mortgage HOUSING FIN AUTH

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 28, 2018 · Amount on Record
Deed Sale	Sep 28, 2018 · Amount on Record
Prior Sale	Apr 27, 2012 · Amount on Record
Deed Document Number	20181807996
Deed Book / Page	3041 / 1107
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TROY TOWN NH
Property Address	108 PROSPECT ST, TROY, NH 03465-2419
Transaction Type	Mortgage
Record Updated	Jan 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003236-25
Date	Jan 4, 2023
Book Page	3236/25
Instrument	2300039

Lender

Name	SERVICE CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	301 Months
Due	Feb 1, 2048

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TROY TOWN NH
Recording Date	Sep 28, 2018
Property Address	108 PROSPECT ST, TROY, NH 03465-2419
Document Number	0030411107
Book / Page	003041 / 001107
Instrument Date	Sep 27, 2018
Instrument	7996
Transaction Type	Transfer
Record Updated	Dec 31, 2018

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,935.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	259 PLAIN RD #2 HINSDALE NH 034512125, 2, HINSDALE, NH 03451-2125

Mortgage

Document Number	30411120
Date	Sep 28, 2018
Book Page	003041/001120
Instrument	7998

Lender

Name	HOUSING FIN AUTH
Address	BEDFORD, NH 03110

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Sep 27, 2023

Mortgage

Document Number	30411109,
Date	Sep 28, 2018
Book Page	003041/001109
Instrument	7997

Lender

Name	HOUSING FIN AUTH
Address	BEDFORD, NH 03110

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 27, 2048

Tax Assessment & Valuation

Source: Cheshire County and Troy Town assessment roll, as of July 28, 2026

Property Jurisdictions

Type	Name
State	New Hampshire
County	Cheshire County
County Subdivision	Troy Town
Unified School District	Monadnock Regional School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$5,211.00 (+18.62%)	$241,900 (+91.53%) Land $34,300 Building $207,600
2018	$4,393.00	$126,300 Land $30,500 Building $95,800

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

Source: FEMA National Flood Hazard Layer, effective September 28, 2018 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 52% of New Hampshire
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TROY WATER WORKS serves 1,200 people · EPA ID NH2361010
Water Source	Groundwater
Last State Inspection	Jan 2024

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 37 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Fidium Fiber Fiber	2,000 / 2,000
Spectrum Fiber	1,000 / 1,000

May also be available: T-Mobile.

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