409 Main St, Keene, NH 03431 Property Records

Cheshire County and Keene City property record for 409 Main St, Keene, NH 03431

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,774 sqft · built 1850
Lot Size	0.44 acres (19,166 sqft)
Owner	2 Individual Names on Record
Last Sale	$530,000 (Jun 2024)
Tax Bill	$16,601 (2025)
Deeds & Mortgages	Jun 2024 Sale & Mortgage Jun 2024 Sale
Flood Zone	Zone X (minimal risk)
APN	`KEEN M:594 L:81`

Property Details

APN / Parcel Number

Primary APN	`KEEN M:594 L:81`
Alternative APN	`594081000000000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,774 sqft Living Area
Gross Area	4,204 sqft
1st Floor Area	1,568 sqft
Basement Area	1,206 sqft
Unfinished Basement	1,206 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1850
Effective Year Built	Effective 1850
Architectural Style	Conventional
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Slate
Lot Area	19,166 sqft (0.44 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	594081000000000
Street Address	409 MAIN ST
City	KEENE
State	NH
Zip	03431-4181
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LD
Legal Lot Number	81
Jurisdiction	KEENE CITY NH
Township / Civil Division	KEENE
Census Block Group	3
Census Block	3006
Census Tract	971403

Owner

Source: Cheshire County and Keene City records, as of April 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	2 RIVER RD, ORFORD, NH 03777-4142
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Jun 26, 2024	Warranty Deed, Transfer · Stand-Alone First Mortgage INLAND MORTGAGE CORP
Jun 26, 2024	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 26, 2024 · Amount on Record
Deed Sale	Jun 26, 2024 · Amount on Record
Prior Sale	Jun 26, 2024 · Amount on Record
Deed Document Number	20244117
Deed Book / Page	3280 / 606
Record Updated	Jun 8, 2026

June 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KEENE CITY NH
Recording Date	Jun 26, 2024
Property Address	409 MAIN ST, KEENE, NH 03431-4181
Document Number	003280-606
Book / Page	3280 / 606
Instrument Date	Jun 25, 2024
Instrument	2404117
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	Joint Tenants with Right of Survivorship
Address	2 RIVER RD, ORFORD, NH 03777-4142
Investor	Possibly a Property Investor

Mortgage

Document Number	0002404118
Date	Jun 26, 2024
Instrument	2404118

Lender

Name	INLAND MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Type Change Date	Jul 1, 2031
Max Rate At Change	3%
Index	1-Year CMT
Margin	3

June 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KEENE CITY NH
Recording Date	Jun 26, 2024
Property Address	409 MAIN ST, KEENE, NH 03431-4181
Document Number	003280-602
Book / Page	3280 / 602
Instrument Date	Jun 17, 2024
Instrument	2404116
Transaction Type	Transfer
Record Updated	Dec 8, 2025

Transaction

Amount	Amount Recorded
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	100 RESERVE RD, DANBURY, CT 06810-5267
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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	$16,601.00 (+3.93%)	$483,000 (-) Land $52,300 Building $430,700
2024	$15,973.00 (+3.7%)	$483,000 (-) Land $52,300 Building $430,700
2023	$15,403.00 (+2.78%)	$483,000 (-) Land $52,300 Building $430,700
2022	$14,987.00	$483,000 Land $52,300 Building $430,700

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	7 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	Indirect within 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 69 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
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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