40 Cross St, Keene, NH 03431 Property Records

Cheshire County and Keene City property record for 40 Cross St, Keene, NH 03431

Property Summary

Property Type	Duplex
Details	6 bd · 2 ba · 2,170 sqft · built 1900
Lot Size	0.09 acres (3,920 sqft)
Owner	2 Individual Names on File
Last Sale	$357,933 (Dec 2024)
Tax Bill	$7,149 (2025)
Deeds & Mortgages	Dec 2024 Sale & Mortgage Mar 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`KEEN M:554 L:48`

Property Details

APN / Parcel Number

Primary APN	`KEEN M:554 L:48`
Alternative APN	`554048000000000`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,170 sqft Living Area
Gross Area	4,935 sqft
1st Floor Area	1,007 sqft
Attic	Attic
Attic Area	1,069 sqft
Basement Area	1,069 sqft
Unfinished Basement	1,069 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,920 sqft (0.09 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Account Number	554048000000000
Street Address	40 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	48
Jurisdiction	KEENE CITY NH
Township / Civil Division	KEENE
Census Block Group	1
Census Block	1007
Census Tract	971300

Owner

40 Cross St, a duplex, is owned by two individuals who bought it in December 2024.

Source: Cheshire County and Keene City records, as of April 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3015 CHRISTOPHERS WATCH LN, RUSKIN, FL 33570-3050
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 3, 2024	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Mar 31, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage SAVINGS BANK OF WALPOLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 3, 2024 · Amount on File
Deed Sale	Dec 3, 2024 · Amount on File
Prior Sale	Mar 31, 2021 · Amount on File
Deed Document Number	20242408345
Deed Book / Page	3295 / 1187
Record Updated	Jun 8, 2026

December 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KEENE CITY NH
Recording Date	Dec 3, 2024
Property Address	40 CROSS ST, KEENE, NH 03431-3005
Document Number	03295-1187
Book / Page	3295 / 1187
Instrument Date	Dec 3, 2024
Instrument	2408345
Transaction Type	Transfer
Record Updated	Dec 8, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
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
Relationship	Joint Tenants with Right of Survivorship
Address	3015 CHRISTOPHERS WATCH LN, RUSKIN, FL 33570-3050

Mortgage

Document Number	0002408347
Date	Dec 3, 2024
Instrument	2408347

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KEENE CITY NH
Recording Date	Mar 31, 2021
Property Address	40 CROSS ST, KEENE, NH 03431-3005
Document Number	0003157-19
Book / Page	3157 / 19
Instrument Date	Mar 31, 2021
Instrument	2103468
Transaction Type	Transfer
Record Updated	Dec 8, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
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	3480 CURTIS AVE, ARCATA, CA 95521-4953

Mortgage

Document Number	0002103469
Date	Mar 31, 2021
Instrument	2103469

Lender

Name	SAVINGS BANK OF WALPOLE
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 40 Cross St was $7,149, up 3.9% from the year before.

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	$7,149.00 (+3.92%)	$208,000 (-) Land $33,700 Building $174,300
2024	$6,879.00 (+3.71%)	$208,000 (-) Land $33,700 Building $174,300
2023	$6,633.00 (+2.77%)	$208,000 (-) Land $33,700 Building $174,300
2022	$6,454.00	$208,000 Land $33,700 Building $174,300

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 40 Cross St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 40 Cross St is low, with a 0.01% annual chance of 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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