186 North St, Keene, NH 03431 Property Records

Cheshire County and Keene City property record for 186 North St, Keene, NH 03431

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,453 sqft · built 1890
Lot Size	0.13 acres (5,663 sqft)
Owner	2 Company Names on Record
Last Sale	$172,533 (Mar 2018)
Tax Bill	$6,977 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Aug 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`KEEN M:537 L:55`

Property Details

APN / Parcel Number

Primary APN	`KEEN M:537 L:55`
Alternative APN	`537055000000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,453 sqft Living Area
Gross Area	2,876 sqft
1st Floor Area	878 sqft
Basement Area	794 sqft
Unfinished Basement	794 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	5,663 sqft (0.13 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	537055000000000
Street Address	186 NORTH ST
City	KEENE
State	NH
Zip	03431-2641
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MD
Legal Lot Number	55
Jurisdiction	KEENE CITY NH
Township / Civil Division	KEENE
Census Block Group	2
Census Block	2008
Census Tract	971300

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Company Names on Record
Mailing Address	186 NORTH ST, KEENE, NH 03431-2641
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2026	Warranty Deed, Transfer · Conventional Mortgage CMG MORTGAGE INC
Aug 23, 2023	Warranty Deed, Transfer
Dec 27, 2021	Deed of Trust, Mortgage · Second Mortgage (Down Payment) SECRETARY HOUSING URBAN DEVELOPMENT

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 28, 2018 · Amount on Record
Deed Sale	Mar 28, 2018 · Amount on Record
Prior Sale	Feb 15, 2017 · Amount on Record
Deed Document Number	20182219
Deed Book / Page	3020 / 650
Last Transfer Date	Aug 17, 2023
Transfer Doc	03255-1253
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KEENE CITY NH
Recording Date	Jul 13, 2026
Property Address	186 NORTH ST, KEENE, NH 03431-2641
Document Number	0000005320
Book / Page	3355 / 711
Instrument Date	Jul 10, 2026
Instrument	20265320
Transaction Type	Transfer
Record Updated	Aug 5, 2026

Transaction

Amount	Amount Recorded
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	381 N HIDDEN LAKE RD, STODDARD, NH 03464-4507

Mortgage

Date	Jul 13, 2026

Lender

Name	CMG MORTGAGE INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	6.53%
Max Rate	-1%

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KEENE CITY NH
Recording Date	Aug 23, 2023
Property Address	186 NORTH ST, KEENE, NH 03431-2641
Document Number	03255-1253
Book / Page	3255 / 1253
Instrument Date	Aug 17, 2023
Instrument	2305924
Transaction Type	Transfer
Record Updated	Sep 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	186 NORTH ST, KEENE, NH 03431-2641

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KEENE CITY NH
Property Address	186 NORTH ST, KEENE, NH 03431-2641
Transaction Type	Mortgage
Record Updated	Jan 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003195-989
Date	Dec 27, 2021
Book Page	3195/989
Instrument	2114113

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	349 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

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	$6,977.00 (+3.93%)	$203,000 (-) Land $36,400 Building $166,600
2024	$6,713.00 (+3.69%)	$203,000 (-) Land $36,400 Building $166,600
2023	$6,474.00 (+2.78%)	$203,000 (-) Land $36,400 Building $166,600
2022	$6,299.00	$203,000 Land $36,400 Building $166,600

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
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

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	None beyond ember reach

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 351 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 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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