31 Emerald St, Keene, NH 03431 Property Records

Cheshire County and Keene City property record for 31 Emerald St, Keene, NH 03431

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 1,656 sqft · built 1880
Lot Size	0.14 acres (6,098 sqft)
Owner	Company Name on Record
Last Sale	$270,000 (Apr 2024)
Tax Bill	$7,434 (2025)
Deeds & Mortgages	Aug 2022 Refinance Sep 2024 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`KEEN M:575 L:4`

Property Details

APN / Parcel Number

Primary APN	`KEEN M:575 L:4`
Alternative APN	`575004000000000`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,656 sqft Living Area
Gross Area	2,911 sqft
1st Floor Area	963 sqft
Basement Area	924 sqft
Unfinished Basement	924 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,098 sqft (0.14 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	575004000000000
Street Address	31 EMERALD ST
City	KEENE
State	NH
Zip	03431-3602
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	DT-G
Legal Lot Number	4
Jurisdiction	KEENE CITY NH
Township / Civil Division	KEENE
Census Block Group	2
Census Block	2009
Census Tract	971403

Owner

Source: Cheshire County and Keene City 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	Company Name on Record
Mailing Address	268 CENTRE ST, NEWTON, MA 02458-1670
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Aug 23, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance SAVINGS BANK OF WALPOLE
Sep 30, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance LEADER BANK NA
Apr 29, 2024	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 29, 2024 · Amount on Record
Deed Sale	Apr 29, 2024 · Amount on Record
Prior Sale	Feb 21, 2020 · Amount on Record
Deed Document Number	20242624
Deed Book / Page	3275 / 293
Record Updated	Jun 8, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KEENE CITY NH
Property Address	31 EMERALD ST, KEENE, NH 03431-3602
Transaction Type	Mortgage
Record Updated	Dec 8, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003223-969
Date	Aug 23, 2022
Book Page	3223/969
Instrument	2207811

Lender

Name	SAVINGS BANK OF WALPOLE
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	13 Months
Due	Sep 1, 2023

September 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KEENE CITY NH
Property Address	31 EMERALD ST, KEENE, NH 03431-3602
Transaction Type	Mortgage
Record Updated	Dec 8, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03289-1126
Date	Sep 30, 2024
Book Page	3289/1126
Instrument	2406658

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KEENE CITY NH
Recording Date	Apr 29, 2024
Property Address	31 EMERALD ST, KEENE, NH 03431-3602
Document Number	003275-293
Book / Page	3275 / 293
Instrument Date	Apr 26, 2024
Instrument	2402624
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	268 CENTRE ST, NEWTON, MA 02458-1670

Tax Assessment & Valuation

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	$7,434.00 (+3.93%)	$216,300 (-) Land $44,300 Building $172,000
2024	$7,153.00 (+6.1%)	$216,300 (+2.32%) Land $44,300 Building $172,000
2023	$6,742.00 (+2.77%)	$211,400 (-) Land $44,300 Building $167,100
2022	$6,560.00	$211,400 Land $44,300 Building $167,100

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 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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