Cheshire County and Gilsum Town property record for 20 Spring St, Gilsum, NH 03448
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,544 sqft · built 1849 |
| Lot Size | 1.5 acres (65,340 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $130,000 (Jun 2011) |
| Tax Bill | $4,731 (2025) |
| Deeds & Mortgages | Jun 2026 Line of Credit |
| Flood Zone | Zone A (high risk) |
| APN | GILS M:408 B:65 L |
| Primary APN | GILS M:408 B:65 L |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,544 sqft Living Area |
| Gross Area | 3,432 sqft |
| Year Built | Built 1849 |
|---|---|
| Effective Year Built | Effective 1849 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 65,340 sqft (1.5 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Old Parcel Number | GILS M:00408 B:000065 L:000000 |
|---|---|
| Street Address | 20 SPRING ST |
| City | GILSUM |
| State | NH |
| Zip | 03448-7405 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RURAL |
| Legal Block | 65 |
| Jurisdiction | GILSUM TOWN NH |
| Township / Civil Division | GILSUM |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 970100 |
20 Spring St is owned and occupied by two individuals who bought it in June 2011.
Source: Cheshire County and Gilsum Town records, as of July 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 20 SPRING ST, GILSUM, NH 03448-7405 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 29, 2011 · Amount on File |
| Deed Sale | Jun 29, 2011 · Amount on File |
| Deed Book / Page | 2699 / 348 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GILSUM TOWN NH |
| Recording Date | Jun 2, 2026 |
| Property Address | 20 SPRING ST, GILSUM, NH 03448-7405 |
| Document Number | 003350-809 |
| Book / Page | 3350 / 809 |
| Instrument Date | May 27, 2026 |
| Instrument | 20264028 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2026 |
| Name | Verified Name |
|---|---|
| Address | 20 SPRING ST, GILSUM, NH 03448-7405 |
| Investor | Possibly a Property Investor |
| Document Number | 0000004028, |
|---|---|
| Date | Jun 2, 2026 |
| Book Page | 3350/809 |
| Instrument | 20264028 |
| Name | MEMBERS CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jul 1, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.64% |
| Initial Type | Adjustable Rate |
| Max Rate | -1% |
The 2025 property tax bill for 20 Spring St was $4,731.
Source: Cheshire County and Gilsum Town assessment roll, as of July 28, 2026
| Type | Name |
|---|---|
| State | New Hampshire |
| County | Cheshire County |
| County Subdivision | Gilsum Town |
| Unified School District | Monadnock Regional School District (PK - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $4,731.00 | $293,300 Land $93,600 Building $199,700 |
| 2023 | $3,787.00 (+10.44%) | $145,500 (-) Land $52,700 Building $92,800 |
| 2022 | $3,429.00 | $145,500 Land $52,700 Building $92,800 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 20 Spring St in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective September 28, 2018 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone A high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required federally backed loans |
| Nearby Flood Policies | 9 in force |
| Nearby Flood Claims | 7 (1979–2013) |
| Most Recent Claim | Jul 2013 · Severe Storms, Tornadoes, And Flooding |
| Claims by Event |
|
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 risk around 20 Spring St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 96% of New Hampshire |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 6 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Fidium Fiber Fiber | 2,000 / 2,000 |
| Starlink Satellite | 280 / 30 |
May also be available: Xfinity.
No cell data coverage reported
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