Cheshire County and Keene City property record for 163 Spruce St, Keene, NH 03431
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,144 sqft · built 2018 |
| Lot Size | 0.21 acres (9,148 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $169,933 (May 2018) |
| Tax Bill | $6,977 (2025) |
| Deeds & Mortgages | Jun 2025 Line of Credit Jun 2023 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | KEEN M:537 L:73-1 |
| Primary APN | KEEN M:537 L:73-1 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,144 sqft Living Area |
| Gross Area | 2,368 sqft |
| 1st Floor Area | 1,144 sqft |
| Basement Area | 1,144 sqft |
| Unfinished Basement | 1,144 sqft |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,148 sqft (0.21 acres) |
| Deck Area | Deck Area |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 537073001000000 |
|---|---|
| Street Address | 163 SPRUCE ST |
| City | KEENE |
| State | NH |
| Zip | 03431-2965 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MD |
| Legal Lot Number | 73-1 |
| Jurisdiction | KEENE CITY NH |
| Township / Civil Division | KEENE |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 971300 |
Source: Cheshire County and Keene City records · APN KEEN M:537 L:73-1
Assessment roll updated April 28, 2026 · Last verified May 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 File |
|---|---|
| Mailing Address | 163 SPRUCE ST, KEENE, NH 03431-2965 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jun 03, 2025 | Deed of Trust, Mortgage · Line of Credit NBT BANK NATIONAL ASSOCIATION |
| Jun 13, 2023 | Deed of Trust, Mortgage · Line of Credit NBT BANK NATIONAL ASSOCIATION |
| Apr 26, 2023 | Deed of Trust, Mortgage · Line of Credit NBT BANK NATIONAL ASSOCIATION |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 21, 2018 · Amount on Record |
| Deed Sale | May 21, 2018 · Amount on Record |
| Deed Document Number | 20183731 |
| Deed Book / Page | 3025 / 915 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KEENE CITY NH |
| Property Address | 163 SPRUCE ST, KEENE, NH 03431-2965 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2025 |
| Name | Verified Name |
|---|
| Document Number | 003311-974 |
|---|---|
| Date | Jun 03, 2025 |
| Book Page | 3311/974 |
| Instrument | 2503772 |
| Name | NBT BANK NATIONAL ASSOCIATION |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KEENE CITY NH |
| Property Address | 163 SPRUCE ST, KEENE, NH 03431-2965 |
| Transaction Type | Mortgage |
| Record Updated | Jun 28, 2023 |
| Name | Verified Name |
|---|
| Document Number | 03248-1100 |
|---|---|
| Date | Jun 13, 2023 |
| Book Page | 3248/1100 |
| Instrument | 2303868 |
| Name | NBT BANK NATIONAL ASSOCIATION |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KEENE CITY NH |
| Property Address | 163 SPRUCE ST, KEENE, NH 03431-2965 |
| Transaction Type | Mortgage |
| Record Updated | May 10, 2023 |
| Name | Verified Name |
|---|
| Document Number | 003244-369 |
|---|---|
| Date | Apr 26, 2023 |
| Book Page | 3244/369 |
| Instrument | 2302575 |
| Name | NBT BANK NATIONAL ASSOCIATION |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: Cheshire County and Keene City records · Assessment roll updated April 28, 2026 · Last verified May 2026
| Type | Name |
|---|---|
| State | New Hampshire |
| County | Cheshire County |
| Municipality | Keene City |
| Unified School District | Keene School District (PK - 12) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $6,977.00 (+3.93%) | $203,000 (-) Land $40,600 Building $162,400 |
| 2024 | $6,713.00 (+3.69%) | $203,000 (-) Land $40,600 Building $162,400 |
| 2023 | $6,474.00 (+2.78%) | $203,000 (-) Land $40,600 Building $162,400 |
| 2022 | $6,299.00 | $203,000 Land $40,600 Building $162,400 |
Source: FEMA National Flood Hazard Layer as of September 28, 2018 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 | 2 in force |
| Wildfire Risk | Low lower than 80% of the US · above 52% of New Hampshire |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Consolidated Communications Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
Based on FCC filings for 351 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | KEENE WATER DEPT serves 30,000 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2025 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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