Cheshire County and Keene City property record for 19 Spruce St, Keene, NH 03431
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,264 sqft · built 1972 |
| Lot Size | 0.67 acres (29,185 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $215,000 (Apr 2021) |
| Tax Bill | $8,122 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Jul 2026 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | KEEN M:536 L:10 |
| Primary APN | KEEN M:536 L:10 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,264 sqft Living Area |
| Gross Area | 2,662 sqft |
| 1st Floor Area | 1,264 sqft |
| Basement Area | 960 sqft |
| Unfinished Basement | 960 sqft |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Architectural Style | Raised Ranch |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 29,185 sqft (0.67 acres) |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Electric |
| Account Number | 536010000000000 |
|---|---|
| Street Address | 19 SPRUCE ST |
| City | KEENE |
| State | NH |
| Zip | 03431-2926 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MD |
| Legal Lot Number | 10 |
| Jurisdiction | KEENE CITY NH |
| Township / Civil Division | KEENE |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 971300 |
Source: Cheshire County and Keene City records, as of July 14, 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 Individual Names on Record |
|---|---|
| Mailing Address | 19 SPRUCE ST, KEENE, NH 03431-2926 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 15, 2026 | Warranty Deed, Transfer · Conventional Mortgage ALABAMA HSNG FINANCIAL AUTH |
| Jul 15, 2026 | Deed of Trust, Mortgage · Cash (No Mortgage) ALABAMA HSNG FINANCIAL AUTH |
| Apr 1, 2021 | Warranty Deed, Transfer · FHA Mortgage ENVOY MORTGAGE LTD |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 1, 2021 · Amount on Record |
| Deed Sale | Apr 1, 2021 · Amount on Record |
| Prior Sale | Oct 14, 2016 · Amount on Record |
| Deed Document Number | 20213492 |
| Deed Book / Page | 3157 / 118 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KEENE CITY NH |
| Recording Date | Jul 15, 2026 |
| Property Address | 19 SPRUCE ST, KEENE, NH 03431-2926 |
| Document Number | 0000005390 |
| Book / Page | 3355 / 1001 |
| Instrument Date | Jul 10, 2026 |
| Instrument | 20265390 |
| Transaction Type | Transfer |
| Record Updated | Aug 5, 2026 |
| Amount | Amount Recorded |
|---|---|
| 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 |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Date | Jul 15, 2026 |
|---|
| Name | ALABAMA HSNG FINANCIAL AUTH |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate | 6.48% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KEENE CITY NH |
| Recording Date | Jul 15, 2026 |
| Property Address | 19 SPRUCE ST, KEENE, NH 03431-2926 |
| Document Number | 0000005392 |
| Book / Page | 3355 / 1018 |
| Instrument Date | Jul 10, 2026 |
| Instrument | 20265392 |
| Transaction Type | Mortgage |
| Record Updated | Aug 5, 2026 |
| Name | Verified Name |
|---|---|
| Address | 19 SPRUCE ST, KEENE, NH 03431-2926 |
| Document Number | 0000005392, |
|---|---|
| Date | Jul 15, 2026 |
| Book Page | 3355/1018 |
| Instrument | 20265392 |
| Name | ALABAMA HSNG FINANCIAL AUTH |
|---|
| Type | Cash (No Mortgage) |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate | 6.52% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KEENE CITY NH |
| Recording Date | Apr 1, 2021 |
| Property Address | 19 SPRUCE ST, KEENE, NH 03431-2926 |
| Document Number | 3157-118 |
| Book / Page | 3157 / 118 |
| Instrument Date | Mar 31, 2021 |
| Instrument | 2103492 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2021 |
| Amount | Amount Recorded |
|---|---|
| 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 |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 37 FRANKLIN ST APT 1, 1, KEENE, NH 03431-3235 |
| Document Number | 003157-120 |
|---|---|
| Date | Apr 1, 2021 |
| Book Page | 3157/120 |
| Instrument | 2103493 |
| Name | ENVOY MORTGAGE LTD |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2051 |
Source: Cheshire County and Keene City assessment roll, as of April 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 | $8,122.00 (+3.94%) | $236,300 (-) Land $44,700 Building $191,600 |
| 2024 | $7,814.00 (+5.17%) | $236,300 (+1.42%) Land $44,700 Building $191,600 |
| 2023 | $7,430.00 (+7.53%) | $233,000 (+4.63%) Land $44,700 Building $188,300 |
| 2022 | $6,910.00 | $222,700 Land $44,700 Building $178,000 |
Assessed value is set for property tax purposes and is not a market price estimate.
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.
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures