21 Prospect St, Troy, NH 03465 Property Records

Cheshire County and Troy Town property record for 21 Prospect St, Troy, NH 03465

Property Summary

Property Type	Multi-Family Dwellings
Details	8 bd · 3 ba · 4,873 sqft · built 1889
Lot Size	2.78 acres (121,097 sqft)
Owner	2 Individual Names on Record
Last Sale	$85,000 (Nov 2012)
Tax Bill	$10,061 (2025)
Deeds & Mortgages	Oct 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`TROY M:018 B:0117 L:0000`

Property Details

APN / Parcel Number

Primary APN	`TROY M:018 B:0117 L:0000`

Interior

Bedrooms	8 Beds
Full Baths	3 Baths
Units	3 Units
Stories	2 Stories
Building Area	4,873 sqft Living Area
Gross Area	7,376 sqft
1st Floor Area	2,399 sqft
Basement Area	2,399 sqft
Unfinished Basement	2,135 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1889
Effective Year Built	Effective 1889
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	121,097 sqft (2.78 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	21 PROSPECT ST
City	TROY
State	NH
Zip	03465-2435
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Local Zoning Code	RESIDE
Legal Block	117
Jurisdiction	TROY TOWN NH
Township / Civil Division	TROY
Census Block Group	4
Census Block	4008
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 July 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	PO BOX 916, TROY, NH 03465-0916
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 20, 2012 · Amount on Record
Deed Sale	Nov 20, 2012 · Amount on Record
Prior Sale	Jan 8, 2009 · Amount on Record
Deed Book / Page	2783 / 195
Record Updated	Oct 29, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TROY TOWN NH
Property Address	21 PROSPECT ST, TROY, NH 03465-2435
Document Number	0030840926
Instrument Date	Oct 15, 2019
Transaction Type	Mortgage
Record Updated	Oct 25, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	21 PROSPECT ST TROY NH 034652435, TROY, NH 03465-2435

Mortgage

Document Number	0030840926
Date	Oct 15, 2019
Book Page	003084/000926
Instrument	8399

Lender

Name	MASCOMA BK
Address	LEBANON, NH 03766

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 14, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.5%

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	$10,061.00 (+40.42%)	$467,100 (+126.75%) Land $42,200 Building $424,900
2018	$7,165.00	$206,000 Land $38,000 Building $168,000

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 43 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