198 Baker St, Keene, NH 03431 Property Records

Cheshire County and Keene City property record for 198 Baker St, Keene, NH 03431

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,775 sqft · built 1940
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on Record
Last Sale	$285,000 (May 2025)
Tax Bill	$9,015 (2025)
Deeds & Mortgages	Mar 2021 Refinance May 2025 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`KEEN M:595 L:71`

Property Details

APN / Parcel Number

Primary APN	`KEEN M:595 L:71`
Alternative APN	`595071000000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,775 sqft Living Area
Gross Area	3,866 sqft
1st Floor Area	1,136 sqft
Basement Area	1,136 sqft
Unfinished Basement	1,136 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,019 sqft (0.23 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	595071000000000
Street Address	198 BAKER ST
City	KEENE
State	NH
Zip	03431-4340
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RP
Legal Lot Number	71
Jurisdiction	KEENE CITY NH
Township / Civil Division	KEENE
Census Block Group	1
Census Block	1045
Census Tract	971403

Owner

Source: Cheshire County and Keene City records, as of October 19, 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	115 ROXBURY ST, 1, KEENE, NH 03431-8808
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Mar 15, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance SAVINGS BANK OF WALPOLE
May 27, 2025	Quit Claim Deed, Transfer · Stand-Alone First Mortgage JPMORGAN CHASE BANK NA
Nov 15, 2021	Warranty Deed, Subdivision Related Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE
Apr 12, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage ZACHARY RICHARDS
Jan 12, 2021	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 27, 2025 · Amount on Record
Deed Sale	May 27, 2025 · Amount on Record
Prior Sale	Jan 27, 2025 · Amount on Record
Deed Document Number	2025472
Deed Book / Page	3310 / 855
Prior Transfer Date	May 23, 2025
Prior Transfer Doc	003310-855
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KEENE CITY NH
Property Address	198 BAKER ST, KEENE, NH 03431-4340
Transaction Type	Mortgage
Record Updated	Nov 19, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003154-750
Date	Mar 15, 2021
Book Page	3154/750
Instrument	2102774

Lender

Name	SAVINGS BANK OF WALPOLE
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2036

May 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KEENE CITY NH
Recording Date	May 27, 2025
Property Address	198 BAKER ST, KEENE, NH 03431-4340
Document Number	003310-855
Book / Page	3310 / 855
Instrument Date	May 23, 2025
Instrument	2503472
Transaction Type	Transfer
Record Updated	Nov 19, 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	Joint Tenants with Right of Survivorship
Address	115 ROXBURY ST APT 1, 1, KEENE, NH 03431-8808

Mortgage

Document Number	0002503473
Date	May 27, 2025
Instrument	2503473

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

November 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	KEENE CITY NH
Recording Date	Nov 15, 2021
Property Address	198 BAKER ST, KEENE, NH 03431-4340
Document Number	03189-1177
Book / Page	3189 / 1177
Instrument Date	Nov 12, 2021
Instrument	2112500
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 28, 2022

Transaction

Amount	Amount Recorded
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	27A WOODCREST DR, WINCHESTER, NH 03470-2466
Investor	Possibly a Property Investor

Mortgage

Document Number	0002112501
Date	Nov 15, 2021
Instrument	2112501

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KEENE CITY NH
Recording Date	Apr 12, 2021
Property Address	198 BAKER ST, KEENE, NH 03431-4340
Document Number	03158-1007
Book / Page	3158 / 1007
Instrument Date	Apr 9, 2021
Instrument	2103930
Transaction Type	Transfer
Record Updated	Feb 28, 2022

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	6 SCHOOL ST, SPOFFORD, NH 03462-4205

Mortgage

Document Number	0002103931
Date	Apr 12, 2021
Instrument	2103931

Lender

Name	ZACHARY RICHARDS

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KEENE CITY NH
Recording Date	Jan 12, 2021
Property Address	198 BAKER ST, KEENE, NH 03431-4340
Document Number	0003146-29
Book / Page	3146 / 29
Instrument Date	Dec 8, 2020
Instrument	2100388
Transaction Type	Transfer
Record Updated	Feb 28, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 PARK ST, NORTH SWANZEY, NH 03431-4444

Tax Assessment & Valuation

Source: Cheshire County and Keene City assessment roll, as of July 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	$9,015.00 (+3.93%)	$262,300 (-) Land $45,700 Building $216,600
2024	$8,674.00 (+3.69%)	$262,300 (-) Land $45,700 Building $216,600
2023	$8,365.00 (+2.78%)	$262,300 (-) Land $45,700 Building $216,600
2022	$8,139.00	$262,300 Land $45,700 Building $216,600

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 58 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	58 in force
Nearby Flood Claims	3 (2005–2021)
Most Recent Claim	Jul 2021 · Severe Storm And Flooding
Claims by Event	Severe Storms And Flooding, Oct 2005 · 2 claims

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	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 315 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

May also be available: Verizon.

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