23 Franklin St, Keene, NH 03431 Property Records

Cheshire County and Keene City property record for 23 Franklin St, Keene, NH 03431

Property Summary

Property Type	Duplex
Details	7 bd · 2 ba · 2,442 sqft · built 1890
Lot Size	0.21 acres (9,148 sqft)
Owner	Company Name on File
Last Sale	$250,000 (May 2025)
Tax Bill	$6,685 (2025)
Deeds & Mortgages	May 2025 Sale & Mortgage Mar 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`KEEN M:569 L:44`

Property Details

APN / Parcel Number

Primary APN	`KEEN M:569 L:44`
Alternative APN	`569044000000000`

Interior

Bedrooms	7 Beds
Full Baths	2 Baths
Total Rooms	12 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,442 sqft Living Area
Gross Area	4,219 sqft
1st Floor Area	1,162 sqft
Attic	Attic
Attic Area	667 sqft
Basement Area	1,147 sqft
Unfinished Basement	1,147 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Duplex Single
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Slate
Lot Area	9,148 sqft (0.21 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	569044000000000
Street Address	23 FRANKLIN ST
City	KEENE
State	NH
Zip	03431-3231
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	HD
Legal Lot Number	44
Jurisdiction	KEENE CITY NH
Township / Civil Division	KEENE
Census Block Group	3
Census Block	3005
Census Tract	971100

Owner

23 Franklin St, a duplex, is owned by a company that bought it in May 2025.

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

Owner of Record	Company Name on File
Mailing Address	6 CENTRAL SQ, TROY, NH 03465
Owner Type	Company
Vesting	Company

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
May 16, 2025	Warranty Deed, Transfer · Stand-Alone First Mortgage 802 CREDIT UNION VERMONT
Mar 22, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage MASCOMA BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 16, 2025 · Amount on File
Deed Sale	May 16, 2025 · Amount on File
Prior Sale	Mar 22, 2022 · Amount on File
Deed Document Number	2025243
Deed Book / Page	3309 / 941
Record Updated	Jun 8, 2026

May 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KEENE CITY NH
Recording Date	May 16, 2025
Property Address	23 FRANKLIN ST, KEENE, NH 03431-3231
Document Number	003309-941
Book / Page	3309 / 941
Instrument Date	May 15, 2025
Instrument	2503243
Transaction Type	Transfer
Record Updated	Dec 8, 2025

Transaction

Amount	Amount on Record
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	6 CENTRAL SQ, TROY, NH 03465

Mortgage

Document Number	0002503244
Date	May 16, 2025
Instrument	2503244

Lender

Name	802 CREDIT UNION VERMONT

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	6%
Type Change Date	Jun 1, 2030
Max Rate At Change	2.87%
Index	1-Year CMT

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KEENE CITY NH
Recording Date	Mar 22, 2022
Property Address	23 FRANKLIN ST, KEENE, NH 03431-3231
Document Number	003206-272
Book / Page	3206 / 272
Instrument Date	Mar 21, 2022
Instrument	2202728
Transaction Type	Transfer
Record Updated	Dec 8, 2025

Transaction

Amount	Amount on Record
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	10 DEER HOLLOW DR, AMHERST, NH 03031-1808

Mortgage

Document Number	0002202729
Date	Mar 22, 2022
Instrument	2202729

Lender

Name	MASCOMA BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Mortgage

Document Number	003206-295
Date	Mar 22, 2022
Book Page	3206/295
Instrument	2202731

Lender

Name	FARRIS DEV LLC

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	121 Months
Due	Apr 1, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 23 Franklin St was $6,685, up 3.9% from the year before.

Source: Cheshire County and Keene City assessment roll, as of April 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	$6,685.00 (+3.93%)	$194,500 (-) Land $40,500 Building $154,000
2024	$6,432.00 (+3.69%)	$194,500 (-) Land $40,500 Building $154,000
2023	$6,203.00 (+2.78%)	$194,500 (-) Land $40,500 Building $154,000
2022	$6,035.00	$194,500 Land $40,500 Building $154,000

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

Flood

FEMA maps place 23 Franklin St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	8 in force
Nearby Flood Claims	19 (1979–2012)
Most Recent Claim	May 2012 · Severe Storm And Flooding
Claims by Event	Severe Storm And Flooding, May 2012 · 5 claims Severe Storms And Flooding, Oct 2005 · 7 claims

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 23 Franklin 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	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	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 464 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
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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