21 Summer St, Keene, NH 03431 Property Records

Cheshire County and Keene City property record for 21 Summer St, Keene, NH 03431

Property Summary

Property Type	Triplex
Details	4 bd · 4 ba · 3,940 sqft · built 1910
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on File
Last Sale	$220,000 (Dec 2010)
Tax Bill	$10,473 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Jul 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`KEEN M:568 L:39`

Property Details

APN / Parcel Number

Primary APN	`KEEN M:568 L:39`
Alternative APN	`568039000000000`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	10 Rooms
Units	3 Units
Stories	2 Stories
Building Area	3,940 sqft Living Area
Gross Area	6,371 sqft
1st Floor Area	2,080 sqft
Attic	Attic
Attic Area	1,092 sqft
Basement Area	1,315 sqft
Unfinished Basement	1,315 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,405 sqft (0.17 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Account Number	568039000000000
Street Address	21 SUMMER ST
City	KEENE
State	NH
Zip	03431-3500
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Local Zoning Code	DT-T
Legal Lot Number	39
Jurisdiction	KEENE CITY NH
Township / Civil Division	KEENE
Census Block Group	3
Census Block	3013
Census Tract	971300

Owner

21 Summer St, a triplex, is owned and occupied by an individual who bought it in December 2010.

Source: Cheshire County and Keene City records, as of July 28, 2026

Owner of Record	Individual Name on File
Mailing Address	21 SUMMER ST, KEENE, NH 03431-3500
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.

Deeds, Mortgages & Sale History

Date	Document
Feb 18, 2026	Deed of Trust, Mortgage · Conventional Mortgage SAVINGS BANK OF WALPOLE
Jul 27, 2023	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 21, 2010 · Amount on File
Deed Sale	Dec 21, 2010 · Amount on File
Deed Book / Page	2672 / 65
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KEENE CITY NH
Property Address	21 SUMMER ST, KEENE, NH 03431-3500
Transaction Type	Mortgage
Record Updated	Mar 11, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03339-1098
Date	Feb 18, 2026
Book Page	3339/1098
Instrument	2601176

Lender

Name	SAVINGS BANK OF WALPOLE
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2041

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KEENE CITY NH
Property Address	21 SUMMER ST, KEENE, NH 03431-3500
Transaction Type	Mortgage
Record Updated	Dec 8, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003253-376
Date	Jul 27, 2023
Book Page	3253/376
Instrument	2305118

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Aug 1, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 21 Summer St was $10,473, up 16.9% from the year before.

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	$10,473.00 (+16.86%)	$304,700 (+12.44%) Land $38,400 Building $266,300
2024	$8,962.00 (+3.7%)	$271,000 (-) Land $38,400 Building $232,600
2023	$8,642.00 (+2.77%)	$271,000 (-) Land $38,400 Building $232,600
2022	$8,409.00	$271,000 Land $38,400 Building $232,600

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 21 Summer St in Zone X, an area of minimal flood risk.

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
Flood Insurance Cost	Premium on File median of 10 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	10 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

Wildfire risk around 21 Summer St is low, with 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 80% of the US · above 52% of New Hampshire
Wildfire Likelihood	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.

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 227 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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