Cheshire County and Keene City property record for 31 Howard St, Keene, NH 03431
| Property Type | Duplex |
|---|---|
| Details | 5 bd · 3 ba · 2,204 sqft · built 1880 |
| Lot Size | 0.12 acres (5,227 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $105,000 (Aug 2015) |
| Tax Bill | $7,915 (2025) |
| Deeds & Mortgages | May 2021 Refinance Dec 2024 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | KEEN M:549 L:68 |
| Primary APN | KEEN M:549 L:68 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 10 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 2,204 sqft Living Area |
| Gross Area | 4,872 sqft |
| 1st Floor Area | 956 sqft |
| Attic | Attic |
| Attic Area | 220 sqft |
| Basement Area | 556 sqft |
| Unfinished Basement | 220 sqft |
| Year Built | Built 1880 |
|---|---|
| Effective Year Built | Effective 1880 |
| Architectural Style | Duplex Single |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,227 sqft (0.12 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Account Number | 549068000000000 |
|---|---|
| Street Address | 31 HOWARD ST |
| City | KEENE |
| State | NH |
| Zip | 03431-3068 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | HD |
| Legal Lot Number | 68 |
| Jurisdiction | KEENE CITY NH |
| Township / Civil Division | KEENE |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 971300 |
Source: Cheshire County and Keene City records, as of April 28, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 31 HOWARD ST, KEENE, NH 03431-3068 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 5, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance SAVINGS BANK OF WALPOLE |
| Dec 18, 2024 | Deed of Trust, Mortgage · Line of Credit SAVINGS BANK OF WALPOLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 25, 2015 · Amount on Record |
| Deed Sale | Aug 25, 2015 · Amount on Record |
| Prior Sale | Aug 25, 2015 · Amount on Record |
| Deed Book / Page | 2917 / 1 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KEENE CITY NH |
| Property Address | 31 HOWARD ST, KEENE, NH 03431-3068 |
| Transaction Type | Mortgage |
| Record Updated | Dec 8, 2025 |
| Name | Verified Name |
|---|
| Document Number | 003162-416 |
|---|---|
| Date | May 5, 2021 |
| Book Page | 3162/416 |
| Instrument | 2104907 |
| Name | SAVINGS BANK OF WALPOLE |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jun 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KEENE CITY NH |
| Property Address | 31 HOWARD ST, KEENE, NH 03431-3068 |
| Transaction Type | Mortgage |
| Record Updated | Dec 8, 2025 |
| Name | Verified Name |
|---|
| Document Number | 003297-162 |
|---|---|
| Date | Dec 18, 2024 |
| Book Page | 3297/162 |
| Instrument | 2408691 |
| Name | SAVINGS BANK OF WALPOLE |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2055 |
| Rate Type | Adjustable Rate |
|---|
Source: Cheshire County and Keene City assessment roll, as of April 28, 2026
| Type | Name |
|---|---|
| State | New Hampshire |
| County | Cheshire County |
| Municipality | Keene City |
| Unified School District | Keene School District (PK - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $7,915.00 (+3.93%) | $230,300 (-) Land $35,800 Building $194,500 |
| 2024 | $7,616.00 (+3.7%) | $230,300 (-) Land $35,800 Building $194,500 |
| 2023 | $7,344.00 (+2.77%) | $230,300 (-) Land $35,800 Building $194,500 |
| 2022 | $7,146.00 | $230,300 Land $35,800 Building $194,500 |
Assessed value is set for property tax purposes and is not a market price estimate.
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.
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.
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 |
| 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.
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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