140 Prospect St, Troy, NH 03465 Property Records

Cheshire County and Troy Town property record for 140 Prospect St, Troy, NH 03465

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,385 sqft · built 1839
Lot Size	0.5 acres (21,780 sqft)
Owner	Individual Name on Record
Last Sale	$180,000 (Feb 2007)
Tax Bill	$7,416 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`TROY M:017 B:0034 L:0000`

Property Details

APN / Parcel Number

Primary APN	`TROY M:017 B:0034 L:0000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,385 sqft Living Area
Gross Area	4,360 sqft
1st Floor Area	848 sqft
Basement Area	280 sqft
Unfinished Basement	280 sqft

Exterior

Year Built	Built 1839
Effective Year Built	Effective 1839
Architectural Style	Conventional
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	21,780 sqft (0.5 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	140 PROSPECT ST
City	TROY
State	NH
Zip	03465-2420
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RURAL
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 April 28, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	140 PROSPECT ST, TROY, NH 03465-2420
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 6, 2026	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Nov 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 28, 2007 · Amount on Record
Deed Sale	Feb 28, 2007 · Amount on Record
Prior Sale	Jul 19, 2004 · Amount on Record
Deed Book / Page	2418 / 318
Record Updated	Jun 8, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TROY TOWN NH
Property Address	140 PROSPECT ST, TROY, NH 03465-2420
Transaction Type	Mortgage
Record Updated	Feb 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03338-1191
Date	Feb 6, 2026
Book Page	3338/1191
Instrument	2600910

Lender

Name	FIGURE LENDING LLC

Agreement

Type	Line of Credit
Amount	Amount Recorded

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TROY TOWN NH
Property Address	140 PROSPECT ST, TROY, NH 03465-2420
Document Number	0031390522
Instrument Date	Nov 17, 2020
Transaction Type	Mortgage
Record Updated	Dec 16, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	140 PROSPECT ST TROY NH 034652420, TROY, NH 03465-2420

Mortgage

Document Number	0031390522
Date	Nov 30, 2020
Book Page	003139/000522
Instrument	10802

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 29, 2050

Tax Assessment & Valuation

Source: Cheshire County and Troy Town assessment roll, as of April 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	$7,416.00 (+31.54%)	$344,300 (+112.4%) Land $28,000 Building $316,300
2018	$5,638.00	$162,100 Land $25,000 Building $137,100

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
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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