28 Cross St, Keene, NH 03431 Property Records

Cheshire County and Keene City property record for 28 Cross St, Keene, NH 03431

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 2,292 sqft · built 1849
Lot Size	0.22 acres (9,583 sqft)
Owner	Individual Name on Record
Last Sale	$74,000 (Jan 2023)
Tax Bill	$4,894 (2025)
Deeds & Mortgages	Jan 2023 Sale
Flood Zone	Zone X (minimal risk)
APN	`KEEN M:554 L:46`

Property Details

APN / Parcel Number

Primary APN	`KEEN M:554 L:46`
Alternative APN	`554046000000000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,292 sqft Living Area
Gross Area	4,466 sqft
1st Floor Area	1,248 sqft
Attic	Attic
Attic Area	450 sqft
Basement Area	720 sqft
Unfinished Basement	720 sqft

Exterior

Year Built	Built 1849
Effective Year Built	Effective 1849
Architectural Style	Duplex Single
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,583 sqft (0.22 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	554046000000000
Street Address	28 CROSS ST
City	KEENE
State	NH
Zip	03431-3005
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	HD
Legal Lot Number	46
Jurisdiction	KEENE CITY NH
Township / Civil Division	KEENE
Census Block Group	1
Census Block	1007
Census Tract	971300

Owner

Source: Cheshire County and Keene City 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	Individual Name on Record
Mailing Address	14 WOODSIDE AVE, KEENE, NH 03431-4363
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 20, 2023 · Amount on Record
Deed Sale	Jan 20, 2023 · Amount on Record
Deed Document Number	2023446
Deed Book / Page	3237 / 600
Prior Transfer Date	Dec 21, 2022
Prior Transfer Doc	003237-600
Record Updated	Sep 20, 2026

January 2023: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	KEENE CITY NH
Recording Date	Jan 20, 2023
Property Address	28 CROSS ST, KEENE, NH 03431-3005
Document Number	003237-600
Book / Page	3237 / 600
Instrument Date	Dec 21, 2022
Instrument	2300446
Transaction Type	Transfer
Record Updated	Dec 8, 2025

Transaction

Amount	Amount Recorded
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	14 WOODSIDE AVE, KEENE, NH 03431-4363

Tax Assessment & Valuation

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	$4,894.00 (+3.93%)	$142,400 (-) Land $41,100 Building $101,300
2024	$4,709.00 (+3.7%)	$142,400 (-) Land $41,100 Building $101,300
2023	$4,541.00 (+2.76%)	$142,400 (-) Land $41,100 Building $101,300
2022	$4,419.00	$142,400 Land $41,100 Building $101,300

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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	1 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	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 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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