20 S Main St, Troy, NH 03465 Property Records

Cheshire County and Troy Town property record for 20 S Main St, Troy, NH 03465

Property Summary

Property Type	Multi-Family Dwellings
Details	4 bd · 3 ba · 3,468 sqft · built 1850
Lot Size	0.4 acres (17,424 sqft)
Owner	Individual Name on Record
Last Sale	$385,000 (Mar 2024)
Tax Bill	$3,072 (2025)
Deeds & Mortgages	Mar 2024 Sale & Mortgage Feb 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`TROY M:018 B:0224 L:0000`

Property Details

APN / Parcel Number

Primary APN	`TROY M:018 B:0224 L:0000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Units	2 Units
Stories	2 Stories
Building Area	3,468 sqft Living Area
Gross Area	5,334 sqft
1st Floor Area	1,498 sqft
Basement Area	648 sqft
Unfinished Basement	648 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1850
Effective Year Built	Effective 1850
Architectural Style	Conventional
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Slate
Lot Area	17,424 sqft (0.4 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	20 S MAIN ST
City	TROY
State	NH
Zip	03465-2314
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Local Zoning Code	VILLAG
Legal Block	224
Jurisdiction	TROY TOWN NH
Township / Civil Division	TROY
Census Block Group	3
Census Block	3014
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 April 28, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	20 S MAIN ST, TROY, NH 03465-2314
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 19, 2024	Warranty Deed, Transfer · Stand-Alone First Mortgage PINNACLE MORTGAGE CORPORATION
Feb 9, 2023	Deed of Trust, Mortgage · ARM 802 CREDIT UNION VERMONT
May 19, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage RIVER VALLEY CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 19, 2024 · Amount on Record
Deed Sale	Mar 19, 2024 · Amount on Record
Prior Sale	May 19, 2021 · Amount on Record
Deed Document Number	20242401676
Deed Book / Page	3272 / 47
Record Updated	Jun 8, 2026

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TROY TOWN NH
Recording Date	Mar 19, 2024
Property Address	20 S MAIN ST, TROY, NH 03465-2314
Document Number	0003272-47
Book / Page	3272 / 47
Instrument Date	Mar 18, 2024
Instrument	2401676
Transaction Type	Transfer
Record Updated	Apr 3, 2024

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	73 BOYNTON ST # 2, 2, MANCHESTER, NH 03102-5123

Mortgage

Document Number	0002401677
Date	Mar 19, 2024
Instrument	2401677

Lender

Name	PINNACLE MORTGAGE CORPORATION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TROY TOWN NH
Property Address	20 S MAIN ST, TROY, NH 03465-2314
Transaction Type	Mortgage
Record Updated	Feb 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003238-896
Date	Feb 9, 2023
Book Page	3238/896
Instrument	2300837

Lender

Name	802 CREDIT UNION VERMONT

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Jan 3, 2026
Index	1-Year CMT

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TROY TOWN NH
Recording Date	May 19, 2021
Property Address	20 S MAIN ST, TROY, NH 03465-2314
Document Number	3164-304
Book / Page	3164 / 304
Instrument Date	May 19, 2021
Instrument	2105452
Transaction Type	Transfer
Record Updated	Jun 3, 2021

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	9 RUSSELL AVE, TROY, NH 03465-2407

Mortgage

Document Number	2105453
Date	May 19, 2021
Instrument	2105453

Lender

Name	RIVER VALLEY CU

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Jun 1, 2024
Max Rate At Change	5.38%
Index	1-Year CMT

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	$3,072.00 (-41.12%)	$142,600 (-4.93%) Land $20,800 Building $121,800
2018	$5,217.00	$150,000 Land $22,200 Building $127,800

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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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