Cheshire County and Keene City property record for 321 Elm St, Keene, NH 03431
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,276 sqft · built 1910 |
| Lot Size | 0.08 acres (3,485 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $126,533 (May 2018) |
| Tax Bill | $5,465 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Apr 2023 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | KEEN M:530 L:32 |
| Primary APN | KEEN M:530 L:32 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,276 sqft Living Area |
| Gross Area | 2,262 sqft |
| 1st Floor Area | 862 sqft |
| Basement Area | 552 sqft |
| Unfinished Basement | 552 sqft |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 3,485 sqft (0.08 acres) |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Account Number | 530032000000000 |
|---|---|
| Street Address | 321 ELM ST |
| City | KEENE |
| State | NH |
| Zip | 03431-2615 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MD |
| Legal Lot Number | 32 |
| Jurisdiction | KEENE CITY NH |
| Township / Civil Division | KEENE |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 971300 |
Source: Cheshire County and Keene City records, as of August 19, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 321 ELM ST, KEENE, NH 03431-2615 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 27, 2026 | Deed of Trust, Mortgage MASCOMA SAVINGS BANK |
| Apr 18, 2023 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) GFA FEDERAL CREDIT UNION |
| Apr 6, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance GFA FEDERAL CREDIT UNION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 21, 2018 · Amount on Record |
| Deed Sale | May 21, 2018 · Amount on Record |
| Prior Sale | May 2, 2012 · Amount on Record |
| Deed Document Number | 20181803728 |
| Deed Book / Page | 3025 / 901 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KEENE CITY NH |
| Recording Date | Jul 27, 2026 |
| Property Address | 321 ELM ST, KEENE, NH 03431-2615 |
| Document Number | 0000005806 |
| Book / Page | 3357 / 351 |
| Instrument Date | Jul 20, 2026 |
| Instrument | 20265806 |
| Transaction Type | Mortgage |
| Record Updated | Aug 19, 2026 |
| Name | Verified Name |
|---|---|
| Address | 321 ELM ST, KEENE, NH 03431-2615 |
| Document Number | 0000005806, |
|---|---|
| Date | Jul 27, 2026 |
| Book Page | 3357/351 |
| Instrument | 20265806 |
| Name | MASCOMA SAVINGS BANK |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | Aug 1, 2041 |
| Rate | 5.81% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KEENE CITY NH |
| Property Address | 321 ELM ST, KEENE, NH 03431-2615 |
| Transaction Type | Mortgage |
| Record Updated | May 3, 2023 |
| Name | Verified Name |
|---|
| Document Number | 003243-741 |
|---|---|
| Date | Apr 18, 2023 |
| Book Page | 3243/741 |
| Instrument | 2302354 |
| Name | GFA FEDERAL CREDIT UNION |
|---|
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | May 1, 2033 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KEENE CITY NH |
| Property Address | 321 ELM ST, KEENE, NH 03431-2615 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Name | Verified Name |
|---|
| Document Number | 03157-1195 |
|---|---|
| Date | Apr 6, 2021 |
| Book Page | 3157/1195 |
| Instrument | 2103720 |
| Name | GFA FEDERAL CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2051 |
Source: Cheshire County and Keene City assessment roll, as of July 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 | $5,465.00 (+3.94%) | $159,000 (-) Land $32,500 Building $126,500 |
| 2024 | $5,258.00 (+3.69%) | $159,000 (-) Land $32,500 Building $126,500 |
| 2023 | $5,071.00 (+2.78%) | $159,000 (-) Land $32,500 Building $126,500 |
| 2022 | $4,934.00 | $159,000 Land $32,500 Building $126,500 |
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 | 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.
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 366 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 |
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