118 Prospect St, Troy, NH 03465 Property Records

Cheshire County and Troy Town property record for 118 Prospect St, Troy, NH 03465

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,396 sqft · built 1971
Lot Size	0.47 acres (20,473 sqft)
Owner	2 Individual Names on Record
Last Sale	$75,000 (Apr 1998)
Tax Bill	$5,148 (2025)
Deeds & Mortgages	Oct 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`TROY M:017 B:0030 L:0000`

Property Details

APN / Parcel Number

Primary APN	`TROY M:017 B:0030 L:0000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,396 sqft Living Area
Gross Area	2,433 sqft
1st Floor Area	1,100 sqft
Basement Area	1,100 sqft
Unfinished Basement	1,100 sqft

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,473 sqft (0.47 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	118 PROSPECT ST
City	TROY
State	NH
Zip	03465-2420
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDE
Legal Block	30
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	118 PROSPECT ST, TROY, NH 03465-2420
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 23, 1998 · Amount on Record
Deed Sale	Apr 23, 1998 · Amount on Record
Deed Book / Page	1643 / 196
Record Updated	Sep 20, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TROY TOWN NH
Property Address	118 PROSPECT ST, TROY, NH 03465-2420
Document Number	0030861037
Instrument Date	Oct 23, 2019
Transaction Type	Mortgage
Record Updated	Nov 25, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	118 PROSPECT ST TROY NH 034652420, TROY, NH 03465-2420

Mortgage

Document Number	0030861037
Date	Oct 30, 2019
Book Page	003086/001037
Instrument	8866

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 29, 2049

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	$5,148.00 (+8.52%)	$239,000 (+75.22%) Land $34,300 Building $204,700
2018	$4,744.00	$136,400 Land $30,500 Building $105,900

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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