23 S Main St, Troy, NH 03465 Property Records

Cheshire County and Troy Town property record for 23 S Main St, Troy, NH 03465

Property Summary

Property Type	Multi-Family Dwellings
Details	6 bd · 2 ba · 2,786 sqft · built 1799
Lot Size	0.38 acres (16,553 sqft)
Owner	Individual Name on Record
Last Sale	$174,933 (Apr 2021)
Tax Bill	$2,206 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Apr 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`TROY M:018 B:0252 L:0000`

Property Details

APN / Parcel Number

Primary APN	`TROY M:018 B:0252 L:0000`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Units	2 Units
Stories	3 Stories
Building Area	2,786 sqft Living Area
Gross Area	4,842 sqft
1st Floor Area	1,069 sqft
Basement Area	576 sqft
Unfinished Basement	576 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1799
Effective Year Built	Effective 1799
Architectural Style	Other
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	16,553 sqft (0.38 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	23 S MAIN ST
City	TROY
State	NH
Zip	03465-2318
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Local Zoning Code	VILLAG
Legal Block	252
Jurisdiction	TROY TOWN NH
Township / Civil Division	TROY
Census Block Group	4
Census Block	4022
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	9 RUSSELL AVE, TROY, NH 03465-2407
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 10, 2025	Deed of Trust, Mortgage · Conventional Mortgage 802 CREDIT UNION VERMONT
Apr 1, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage RIVER VALLEY CU
Jul 16, 2020	Warranty Deed, Transfer INGEO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 1, 2021 · Amount on Record
Deed Sale	Apr 1, 2021 · Amount on Record
Prior Sale	Jun 7, 2004 · Amount on Record
Deed Document Number	20212103517
Deed Book / Page	3157 / 225
Record Updated	Jun 8, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TROY TOWN NH
Property Address	23 S MAIN ST, TROY, NH 03465-2318
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003330-128
Date	Nov 10, 2025
Book Page	3330/128
Instrument	2508790

Lender

Name	802 CREDIT UNION VERMONT

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Dec 1, 2028
Index	1-Year CMT

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TROY TOWN NH
Recording Date	Apr 1, 2021
Property Address	23 S MAIN ST, TROY, NH 03465-2318
Document Number	3157-225
Book / Page	3157 / 225
Instrument Date	Apr 1, 2021
Instrument	2103517
Transaction Type	Transfer
Record Updated	May 14, 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	Notice of Trustee Sale 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	2103518
Date	Apr 1, 2021
Instrument	2103518

Lender

Name	RIVER VALLEY CU

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	Apr 1, 2028
Max Rate At Change	2.25%
Index	1-Year CMT

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TROY TOWN NH
Recording Date	Jul 16, 2020
Property Address	23 S MAIN ST, TROY, NH 03465-2318
Document Number	0031180535
Book / Page	003118 / 000535
Instrument Date	Jul 14, 2020
Instrument	5752
Transaction Type	Transfer
Record Updated	Aug 6, 2020
Title Company	INGEO

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1 GRANITE ST TROY NH 034652210, TROY, NH 03465-2210

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	$2,206.00 (+15.86%)	$102,400 (-) Land $20,500 Building $81,900
2024	$1,904.00 (-46.85%)	$102,400 (-0.58%) Land $20,500 Building $81,900
2018	$3,582.00	$103,000 Land $18,100 Building $84,900

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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	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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