20 Central Sq, Troy, NH 03465 Property Records

Cheshire County and Troy Town property record for 20 Central Sq, Troy, NH 03465

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,696 sqft · built 1849
Lot Size	0.26 acres (11,326 sqft)
Owner	2 Individual Names on Record
Last Sale	$95,000 (Sep 2001)
Tax Bill	$7,029 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Jul 2025 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`TROY M:018 B:0139 L:0000`

Property Details

APN / Parcel Number

Primary APN	`TROY M:018 B:0139 L:0000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,696 sqft Living Area
Gross Area	4,343 sqft
1st Floor Area	1,544 sqft
Basement Area	442 sqft
Unfinished Basement	442 sqft

Exterior

Year Built	Built 1849
Effective Year Built	Effective 1849
Architectural Style	Historical
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Slate
Lot Area	11,326 sqft (0.26 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	20 CENTRAL SQ
City	TROY
State	NH
Zip	03465
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	VILLAG
Legal Block	139
Jurisdiction	TROY TOWN NH
Township / Civil Division	TROY
Census Block Group	3
Census Block	3020
Census Tract	970800

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Troy Village Historic District listed 2002 · 241 contributing resources · NRIS 02001500

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Cheshire County and Troy Town records, as of October 7, 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	20 CENTRAL SQ, TROY, NH 03465
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2026	Deed of Trust, Mortgage STATE MARYS BANK
Jul 16, 2025	Deed of Trust, Mortgage MACHIAS SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 7, 2001 · Amount on Record
Deed Sale	Sep 7, 2001 · Amount on Record
Deed Book / Page	1833 / 857
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TROY TOWN NH
Recording Date	Sep 16, 2026
Property Address	20 CENTRAL SQ, TROY, NH 03465
Document Number	0000007449
Book / Page	3363 / 228
Instrument Date	Sep 10, 2026
Instrument	20267449
Transaction Type	Mortgage
Record Updated	Oct 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007449,
Date	Sep 16, 2026
Book Page	3363/228
Instrument	20267449

Lender

Name	STATE MARYS BANK

Agreement

Amount	Amount Recorded
Term	360 Months

Interest

Max Rate	-1%

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TROY TOWN NH
Property Address	20 CENTRAL SQ, TROY, NH 03465
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03315-1356
Date	Jul 16, 2025
Book Page	3315/1356
Instrument	2505046

Lender

Name	MACHIAS SAVINGS BANK
Type	Bank

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

Source: Cheshire County and Troy Town assessment roll, as of July 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	$7,029.00 (+55.82%)	$326,300 (+151.58%) Land $18,600 Building $307,700
2018	$4,511.00	$129,700 Land $16,200 Building $113,500

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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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	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	TROY WATER WORKS serves 1,200 people · EPA ID NH2361010
Water Source	Groundwater
Last State Inspection	Jan 2024

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 183 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

May also be available: Xfinity.

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