40 School St, Keene, NH 03431 Property Records

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,765 sqft · built 1860
Lot Size	0.38 acres (16,553 sqft)
Owner	2 Individual Names on Record
Last Sale	$399,000 (Oct 2023)
Tax Bill	$10,249 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Oct 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`KEEN M:567 L:30`

Property Details

APN / Parcel Number

Primary APN	`KEEN M:567 L:30`
Alternative APN	`567030000000000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,765 sqft Living Area
Gross Area	5,702 sqft
1st Floor Area	1,632 sqft
Attic	Attic
Attic Area	529 sqft
Basement Area	1,329 sqft
Unfinished Basement	1,329 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1860
Effective Year Built	Effective 1860
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Slate
Lot Area	16,553 sqft (0.38 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Account Number	567030000000000
Street Address	40 SCHOOL ST
City	KEENE
State	NH
Zip	03431-3308
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LD
Legal Lot Number	30
Jurisdiction	KEENE CITY NH
Township / Civil Division	KEENE
Census Block Group	3
Census Block	3016
Census Tract	971300

Owner

Source: Cheshire County and Keene City records, as of July 28, 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	270 HIGH ST, DAYTON, VA 22821-9505
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Apr 8, 2026	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Oct 31, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage PRESTIGE HOME MORTGAGE LLC
May 2, 2023	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 31, 2023 · Amount on Record
Deed Sale	Oct 31, 2023 · Amount on Record
Deed Document Number	2023745
Deed Book / Page	3261 / 1340
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KEENE CITY NH
Recording Date	Apr 8, 2026
Property Address	40 SCHOOL ST, KEENE, NH 03431-3308
Document Number	003344-940
Book / Page	3344 / 940
Instrument Date	Mar 21, 2026
Instrument	20262454
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 SCHOOL ST, KEENE, NH 03431-3308
Investor	Possibly a Property Investor

Mortgage

Document Number	0000002454,
Date	Apr 8, 2026
Book Page	3344/940
Instrument	20262454

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.01%
Max Rate	-1%

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KEENE CITY NH
Recording Date	Oct 31, 2023
Property Address	40 SCHOOL ST, KEENE, NH 03431-3308
Document Number	03261-1340
Book / Page	3261 / 1340
Instrument Date	Oct 30, 2023
Instrument	2307745
Transaction Type	Transfer
Record Updated	Dec 8, 2025

Transaction

Amount	Amount Recorded
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	Tenants by the Entirety
Address	270 HIGH ST, DAYTON, VA 22821-9505

Mortgage

Document Number	0002307748
Date	Oct 31, 2023
Instrument	2307748

Lender

Name	PRESTIGE HOME MORTGAGE LLC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KEENE CITY NH
Recording Date	May 2, 2023
Property Address	40 SCHOOL ST, KEENE, NH 03431-3308
Document Number	03244-1148
Book / Page	3244 / 1148
Instrument Date	Apr 20, 2023
Instrument	2302720
Transaction Type	Transfer
Record Updated	Dec 8, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	63 GREEN ST, CONCORD, NH 03301-4243

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	$10,249.00 (+3.93%)	$298,200 (-) Land $47,600 Building $250,600
2024	$9,861.00	$298,200 (+2.12%) Land $47,600 Building $250,600
2023		$292,000 (-) Land $47,600 Building $244,400
2022		$292,000 Land $47,600 Building $244,400

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
Flood Insurance Cost	Premium on Record median of 10 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	10 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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