12 N Main St, Troy, NH 03465 Property Records

Cheshire County and Troy Town property record for 12 N Main St, Troy, NH 03465

Property Summary

Property Type	Multi-Family Dwellings
Details	5 bd · 3 ba · 3,541 sqft · built 1833
Lot Size	0.4 acres (17,424 sqft)
Owner	2 Individual Names on File
Last Sale	$92,000 (Nov 2003)
Tax Bill	$8,054 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`TROY M:18 B:124 L`

Property Details

APN / Parcel Number

Primary APN	`TROY M:18 B:124 L`
Alternative APN	`TROY M:018 B:0124 L:0000`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	12 Rooms
Units	3 Units
Stories	2 Stories
Building Area	3,541 sqft Living Area
Gross Area	5,313 sqft
1st Floor Area	2,417 sqft
Attic	Attic
Attic Area	731 sqft
Basement Area	875 sqft
Unfinished Basement	875 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1833
Effective Year Built	Effective 1833
Architectural Style	Other
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	17,424 sqft (0.4 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Old Parcel Number	TROY M:018 B:0124 L:0000
Street Address	12 N MAIN ST
City	TROY
State	NH
Zip	03465-2655
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Local Zoning Code	VILLAG
Legal Block	124
Jurisdiction	TROY TOWN NH
Township / Civil Division	TROY
Census Block Group	4
Census Block	4008
Census Tract	970800

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Troy Village Historic District listed 2002 · 241 contributing resources · NRIS 02001500

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

12 N Main St, a residential property, is owned by two individuals who bought it in November 2003.

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

Owner of Record	2 Individual Names on File
Mailing Address	1398 NH ROUTE 119, RINDGE, NH 03461-5712
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 26, 2026	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Mar 5, 2021	Deed of Trust, Mortgage · ARM TRIANGLE CREDIT UNION
Aug 24, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 18, 2003 · Amount on File
Deed Sale	Nov 18, 2003 · Amount on File
Deed Book / Page	2087 / 312
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TROY TOWN NH
Recording Date	Jun 26, 2026
Property Address	12 N MAIN ST, TROY, NH 03465-2655
Document Number	0000004797
Book / Page	3353 / 740
Instrument Date	Jun 22, 2026
Instrument	20264797
Transaction Type	Mortgage
Record Updated	Jul 28, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 N MAIN ST, TROY, NH 03465-2655

Mortgage

Document Number	0000004797,
Date	Jun 26, 2026
Book Page	3353/740
Instrument	20264797

Lender

Name	LOANDEPOT.COM LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.51%
Max Rate	-1%

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TROY TOWN NH
Property Address	12 N MAIN ST, TROY, NH 03465-2655
Transaction Type	Mortgage
Record Updated	Mar 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3153-318
Date	Mar 5, 2021
Book Page	3153/318
Instrument	2102425

Lender

Name	TRIANGLE CREDIT UNION

Agreement

Type	ARM
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Type Change Date	Apr 1, 2021
Index	Other

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	TROY TOWN NH
Recording Date	Aug 24, 2017
Property Address	12 N MAIN ST, TROY, NH 03465-2655
Document Number	0029971163
Book / Page	002997 / 001163
Instrument Date	Jul 25, 2017
Instrument	7102
Transaction Type	Transfer
Record Updated	Oct 12, 2017

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1398 ROUTE 119 RINDGE NH 03461, RINDGE, NH 03461

Tax Assessment & Valuation

The 2025 property tax bill for 12 N Main St was $8,054.

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	$8,054.00	$373,900 Land $20,800 Building $353,100
2018	$6,118.00	$175,900 Land $18,400 Building $157,500

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

Flood

FEMA maps place 12 N Main St in Zone X, an area of minimal flood risk.

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
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

Wildfire risk around 12 N Main St is low, with a 0.01% annual chance of 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 82 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
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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