Cheshire County and Keene City property record for 176 Howard St, Keene, NH 03431
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,313 sqft · built 1890 |
| Lot Size | 0.3 acres (13,068 sqft) |
| Owner | Individual Name on File |
| Last Sale | $140,000 (Dec 2022) |
| Tax Bill | $6,228 (2025) |
| Deeds & Mortgages | Mar 2023 Mortgage Dec 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | KEEN M:536 L:13 |
| Primary APN | KEEN M:536 L:13 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,313 sqft Living Area |
| Gross Area | 3,376 sqft |
| 1st Floor Area | 884 sqft |
| Attic | Attic |
| Attic Area | 312 sqft |
| Basement Area | 1,148 sqft |
| Unfinished Basement | 1,148 sqft |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 13,068 sqft (0.3 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Account Number | 536013000000000 |
|---|---|
| Street Address | 176 HOWARD ST |
| City | KEENE |
| State | NH |
| Zip | 03431-2901 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MD |
| Legal Lot Number | 13 |
| Jurisdiction | KEENE CITY NH |
| Township / Civil Division | KEENE |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 971300 |
176 Howard St is owned by an individual who bought it in December 2022.
Source: Cheshire County and Keene City records, as of July 28, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 9 RUSSELL AVE, TROY, NH 03465-2407 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 27, 2023 | Deed of Trust, Mortgage · ARM 802 CREDIT UNION VERMONT |
| Dec 15, 2022 | Warranty Deed, Transfer · Stand-Alone First Mortgage RIMA HOWARD LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 15, 2022 · Amount on File |
| Deed Sale | Dec 15, 2022 · Amount on File |
| Prior Sale | Sep 21, 2004 · Amount on File |
| Deed Book / Page | 3234 / 810 |
| Transfer Doc | 1708000830 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KEENE CITY NH |
| Property Address | 176 HOWARD ST, KEENE, NH 03431-2901 |
| Transaction Type | Mortgage |
| Record Updated | Dec 8, 2025 |
| Name | Verified Name |
|---|
| Document Number | 03241-1078 |
|---|---|
| Date | Mar 27, 2023 |
| Book Page | 3241/1078 |
| Instrument | 2301823 |
| Name | 802 CREDIT UNION VERMONT |
|---|
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.5% |
| Type Change Date | Jan 4, 2026 |
| Index | 1-Year CMT |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KEENE CITY NH |
| Recording Date | Dec 15, 2022 |
| Property Address | 176 HOWARD ST, KEENE, NH 03431-2901 |
| Document Number | 003234-810 |
| Book / Page | 3234 / 810 |
| Instrument Date | Dec 15, 2022 |
| Instrument | 2211217 |
| Transaction Type | Transfer |
| Record Updated | Jun 30, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 9 RUSSELL AVE, TROY, NH 03465-2407 |
| Document Number | 0002211218 |
|---|---|
| Date | Dec 15, 2022 |
| Instrument | 2211218 |
| Name | RIMA HOWARD LLC |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 176 Howard St was $6,228, up 3.9% from the year before.
Source: Cheshire County and Keene City assessment roll, as of July 28, 2026
| Type | Name |
|---|---|
| State | New Hampshire |
| County | Cheshire County |
| Municipality | Keene City |
| Unified School District | Keene School District (PK - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $6,228.00 (+3.94%) | $181,200 (-) Land $42,900 Building $138,300 |
| 2024 | $5,992.00 (+10.07%) | $181,200 (+6.15%) Land $42,900 Building $138,300 |
| 2023 | $5,444.00 (+2.78%) | $170,700 (-) Land $42,900 Building $127,800 |
| 2022 | $5,297.00 | $170,700 Land $42,900 Building $127,800 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 176 Howard 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 |
| Community Rating System | Class 8 (10% premium discount) |
| 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 risk around 176 Howard 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 366 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Fidium Fiber Fiber | 2,000 / 2,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
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