18 Charles St, Keene, NH 03431 Property Records

Cheshire County and Keene City property record for 18 Charles St, Keene, NH 03431

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 936 sqft · built 1920
Lot Size	0.36 acres (15,682 sqft)
Owner	Individual Name on File
Last Sale	$140,000 (Sep 2023)
Tax Bill	$4,008 (2025)
Deeds & Mortgages	May 2024 Mortgage Sep 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`KEEN M:532 L:39`

Property Details

APN / Parcel Number

Primary APN	`KEEN M:532 L:39`
Alternative APN	`532039000000000`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	936 sqft Living Area
Gross Area	2,248 sqft
1st Floor Area	648 sqft
Basement Area	528 sqft
Unfinished Basement	528 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Conventional
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,682 sqft (0.36 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	532039000000000
Street Address	18 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	39
Jurisdiction	KEENE CITY NH
Township / Civil Division	KEENE
Census Block Group	5
Census Block	5006
Census Tract	971100

Owner

18 Charles St is owned by an individual who bought it in September 2023.

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

Deeds, Mortgages & Sale History

Date	Document
May 10, 2024	Deed of Trust, Mortgage · ARM 802 CREDIT UNION VERMONT
Sep 15, 2023	Fiduciary Deed, Transfer · Stand-Alone First Mortgage RONALD H & CAROL A ST

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 15, 2023 · Amount on File
Deed Sale	Sep 15, 2023 · Amount on File
Prior Sale	Jun 11, 1999 · Amount on File
Deed Document Number	20236486
Deed Book / Page	3257 / 1137
Record Updated	Jun 8, 2026

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KEENE CITY NH
Property Address	18 CHARLES ST, KEENE, NH 03431-2002
Transaction Type	Mortgage
Record Updated	May 22, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003276-322
Date	May 10, 2024
Book Page	3276/322
Instrument	2402912

Lender

Name	802 CREDIT UNION VERMONT

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Jun 1, 2027
Index	1-Year CMT

September 2023: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	KEENE CITY NH
Recording Date	Sep 15, 2023
Property Address	18 CHARLES ST, KEENE, NH 03431-2002
Document Number	03257-1137
Book / Page	3257 / 1137
Instrument Date	Sep 15, 2023
Instrument	2306486
Transaction Type	Transfer
Record Updated	Sep 27, 2023

Transaction

Amount	Amount 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	9 RUSSELL AVE, TROY, NH 03465-2407

Mortgage

Document Number	0002306487
Date	Sep 15, 2023
Instrument	2306487

Lender

Name	RONALD H & CAROL A ST

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 18 Charles St was $4,008, 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	$4,008.00 (+3.94%)	$116,600 (-) Land $32,400 Building $84,200
2024	$3,856.00 (+3.71%)	$116,600 (-) Land $32,400 Building $84,200
2023	$3,718.00 (+2.76%)	$116,600 (-) Land $32,400 Building $84,200
2022	$3,618.00	$116,600 Land $32,400 Building $84,200

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

Flood

FEMA maps place 18 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 18 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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