197 S Main St, Troy, NH 03465 Property Records

Cheshire County and Troy Town property record for 197 S Main St, Troy, NH 03465

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,499 sqft · built 2003
Lot Size	3.03 acres (131,987 sqft)
Owner	2 Individual Names on Record
Last Sale	$250,000 (Feb 2022)
Tax Bill	$8,883 (2025)
Deeds & Mortgages	Feb 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`TROY M:013 B:0033 L:000A`

Property Details

APN / Parcel Number

Primary APN	`TROY M:013 B:0033 L:000A`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,499 sqft Living Area
Gross Area	3,905 sqft
1st Floor Area	1,064 sqft
Basement Area	1,064 sqft
Unfinished Basement	1,064 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	131,987 sqft (3.03 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Radiant
Heating Fuel	Gas

Location & Zoning

Street Address	197 S MAIN ST
City	TROY
State	NH
Zip	03465-2319
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RURAL
Legal Block	33
Legal Lot Number	A
Jurisdiction	TROY TOWN NH
Township / Civil Division	TROY
Census Block Group	4
Census Block	4027
Census Tract	970800

Owner

Source: Cheshire County and Troy Town records, as of April 28, 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 Record
Mailing Address	197 S MAIN ST, TROY, NH 03465-2319
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 10, 2022 · Amount on Record
Deed Sale	Feb 10, 2022 · Amount on Record
Prior Sale	May 18, 2005 · Amount on Record
Deed Document Number	2022384
Deed Book / Page	3201 / 781
Transfer Doc	2242-724
Record Updated	Jun 8, 2026

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TROY TOWN NH
Recording Date	Feb 10, 2022
Property Address	197 S MAIN ST, TROY, NH 03465-2319
Document Number	003201-781
Book / Page	3201 / 781
Instrument Date	Feb 10, 2022
Instrument	2201384
Transaction Type	Transfer
Record Updated	Nov 20, 2025

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
Relationship	Tenants by the Entirety
Address	197 S MAIN ST, TROY, NH 03465-2319

Mortgage

Document Number	0002201385
Date	Feb 10, 2022
Instrument	2201385

Lender

Name	NEWREZ LLC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Cheshire County and Troy Town assessment roll, as of April 28, 2026

Property Jurisdictions

Type	Name
State	New Hampshire
County	Cheshire County
County Subdivision	Troy Town
Unified School District	Monadnock Regional School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$8,883.00 (+15.86%)	$412,400 (-) Land $42,900 Building $369,500
2024	$7,667.00 (-2.24%)	$412,400 (+82.88%) Land $42,900 Building $369,500
2018	$7,843.00	$225,500 Land $38,600 Building $186,900

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
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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 58 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Fidium Fiber Fiber	2,000 / 2,000
Spectrum Fiber	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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