4 Phil Ln, Keene, NH 03431 Property Records

Cheshire County and Keene City property record for 4 Phil Ln, Keene, NH 03431

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,080 sqft · built 1957
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Tax Bill	$6,458 (2025)
Deeds & Mortgages	Oct 2023 Mortgage Oct 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`KEEN M:529 L:41`

Property Details

APN / Parcel Number

Primary APN	`KEEN M:529 L:41`
Alternative APNs	`529041000000000` `115040300000`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,080 sqft Living Area
Gross Area	2,864 sqft
1st Floor Area	720 sqft
Attic	Attic
Attic Area	720 sqft
Basement Area	720 sqft
Unfinished Basement	720 sqft

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,712 sqft (0.2 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	529041000000000
Street Address	4 PHIL LN
City	KEENE
State	NH
Zip	03431-2625
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LD
Legal Lot Number	41
Jurisdiction	KEENE CITY NH
Township / Civil Division	KEENE
Census Block Group	2
Census Block	2003
Census Tract	971300

Owner

Source: Cheshire County and Keene City records, as of July 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	4 PHIL LN, KEENE, NH 03431-2625
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 4, 2023	Deed of Trust, Mortgage · ARM MUTUAL OF OMAHA MORTGAGE
Oct 4, 2023	Deed of Trust, Mortgage · ARM SECRETARY HOUSING URBAN DEVELOPMENT

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KEENE CITY NH
Property Address	4 PHIL LN, KEENE, NH 03431-2625
Transaction Type	Mortgage
Record Updated	Oct 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03259-1277
Date	Oct 4, 2023
Book Page	3259/1277
Instrument	2307106

Lender

Name	MUTUAL OF OMAHA MORTGAGE

Agreement

Type	ARM
Amount	Amount Recorded
Term	889 Months
Due	Nov 1, 2097

Interest

Rate Type	Adjustable Rate
Rate	7.71%
Type Change Date	Nov 1, 2023
Index	Other

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KEENE CITY NH
Property Address	4 PHIL LN, KEENE, NH 03431-2625
Transaction Type	Mortgage
Record Updated	Oct 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03259-1293
Date	Oct 4, 2023
Book Page	3259/1293
Instrument	2307107

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	ARM
Amount	Amount Recorded
Term	889 Months
Due	Nov 1, 2097

Interest

Rate Type	Adjustable Rate
Rate	7.71%
Type Change Date	Nov 1, 2023
Index	Other

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	$6,458.00 (+3.93%)	$187,900 (-) Land $44,000 Building $143,900
2024	$6,214.00 (+3.7%)	$187,900 (-) Land $44,000 Building $143,900
2023	$5,992.00 (+2.76%)	$187,900 (-) Land $44,000 Building $143,900
2022	$5,831.00	$187,900 Land $44,000 Building $143,900

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
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.

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	Direct burnable vegetation

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 217 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Fidium Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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