16 Charles St, Keene, NH 03431 Property Records

Cheshire County and Keene City property record for 16 Charles St, Keene, NH 03431

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,360 sqft · built 1890
Lot Size	0.31 acres (13,504 sqft)
Owner	Individual Name on File
Last Sale	$390,000 (Sep 2025)
Tax Bill	$5,647 (2025)
Deeds & Mortgages	Sep 2025 Sale & Mortgage Jun 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`KEEN M:532 L:38`

Property Details

APN / Parcel Number

Primary APN	`KEEN M:532 L:38`
Alternative APN	`532038000000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,360 sqft Living Area
Gross Area	3,286 sqft
1st Floor Area	940 sqft
Attic	Attic
Attic Area	520 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,504 sqft (0.31 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	532038000000000
Street Address	16 CHARLES ST
City	KEENE
State	NH
Zip	03431-2002
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LD
Legal Lot Number	38
Jurisdiction	KEENE CITY NH
Township / Civil Division	KEENE
Census Block Group	5
Census Block	5006
Census Tract	971100

Owner

16 Charles St is owned by an individual who bought it in September 2025.

Source: Cheshire County and Keene City records, as of April 28, 2026

Owner of Record	Individual Name on File
Mailing Address	28 GREENBRIAR RD, KEENE, NH 03431-2844
Owner Type	Individual
Vesting	Individual(s)

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
Sep 3, 2025	Warranty Deed, Transfer · Conventional Mortgage SAVINGS BANK OF WALPOLE
Jun 22, 2022	Warranty Deed, Subdivision Related Transfer · FHA Mortgage PANORAMA MORTGAGE GROUP LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 3, 2025 · Amount on File
Deed Sale	Sep 3, 2025 · Amount on File
Prior Sale	Jun 22, 2022 · Amount on File
Deed Document Number	2025731
Deed Book / Page	3322 / 211
Record Updated	Jun 8, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KEENE CITY NH
Recording Date	Sep 3, 2025
Property Address	16 CHARLES ST, KEENE, NH 03431-2002
Document Number	003322-211
Book / Page	3322 / 211
Instrument Date	Sep 3, 2025
Instrument	2506731
Transaction Type	Transfer
Record Updated	Nov 25, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 GREENBRIAR RD, KEENE, NH 03431-2844

Mortgage

Document Number	0002506732
Date	Sep 3, 2025
Instrument	2506732

Lender

Name	SAVINGS BANK OF WALPOLE
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

June 2022: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	KEENE CITY NH
Recording Date	Jun 22, 2022
Property Address	16 CHARLES ST, KEENE, NH 03431-2002
Document Number	03216-1140
Book / Page	3216 / 1140
Instrument Date	Jun 21, 2022
Instrument	2205802
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 7, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	16 CHARLES ST, KEENE, NH 03431-2002

Mortgage

Document Number	0002205803
Date	Jun 22, 2022
Instrument	2205803

Lender

Name	PANORAMA MORTGAGE GROUP LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 16 Charles St was $5,647, up 3.9% from the year before.

Source: Cheshire County and Keene City assessment roll, as of April 28, 2026

Property Jurisdictions

Type	Name
State	New Hampshire
County	Cheshire County
Municipality	Keene City
Unified School District	Keene School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$5,647.00 (+3.94%)	$164,300 (-) Land $32,200 Building $132,100
2024	$5,433.00 (+3.68%)	$164,300 (-) Land $32,200 Building $132,100
2023	$5,240.00 (+9.81%)	$164,300 (+6.83%) Land $32,200 Building $132,100
2022	$4,772.00	$153,800 Land $32,200 Building $121,600

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 16 Charles St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2005.

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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (2005)
Most Recent Claim	Oct 2005 · Severe Storms And Flooding

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 16 Charles 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	KEENE WATER DEPT serves 30,000 people · EPA ID NH1241010
Water Source	Surface water
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2022–2024) action level 15 ppb

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 72 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Fidium Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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