431 Main St, Keene, NH 03431 Property Records

Cheshire County and Keene City property record for 431 Main St, Keene, NH 03431

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,579 sqft · built 1925
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on File
Last Sale	$450,000 (Apr 2026)
Tax Bill	$9,122 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`KEEN M:112 L:23`

Property Details

APN / Parcel Number

Primary APN	`KEEN M:112 L:23`
Alternative APN	`112023000000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,579 sqft Living Area
Gross Area	4,748 sqft
1st Floor Area	1,192 sqft
Attic	Attic
Attic Area	1,156 sqft
Basement Area	1,192 sqft
Unfinished Basement	1,192 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gambrel
Roof Material	Slate
Lot Area	9,583 sqft (0.22 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Account Number	112023000000000
Street Address	431 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	23
Jurisdiction	KEENE CITY NH
Township / Civil Division	KEENE
Census Block Group	3
Census Block	3006
Census Tract	971403

Owner

431 Main St is owned and occupied by two individuals who bought it in April 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	431 MAIN ST, KEENE, NH 03431-4181
Occupancy	Owner Occupied
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 7, 2026 · Amount on File
Deed Sale	Apr 7, 2026 · Amount on File
Deed Book / Page	3344 / 700
Record Updated	Sep 20, 2026

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	KEENE CITY NH
Recording Date	Apr 7, 2026
Property Address	431 MAIN ST, KEENE, NH 03431-4181
Document Number	003344-700
Book / Page	3344 / 700
Instrument Date	Apr 7, 2026
Instrument	2026421
Transaction Type	Transfer
Record Updated	Jul 28, 2026

Transaction

Amount	Amount 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	431 MAIN ST, KEENE, NH 03431-4181

Mortgage

Date	Apr 7, 2026

Lender

Name	MOVEMENT MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.01%
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 431 Main St was $9,122, up 3.9% from the year before.

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	$9,122.00 (+3.93%)	$265,400 (-) Land $46,800 Building $218,600
2024	$8,777.00 (+3.7%)	$265,400 (-) Land $46,800 Building $218,600
2023	$8,464.00 (+2.78%)	$265,400 (-) Land $46,800 Building $218,600
2022	$8,235.00	$265,400 Land $46,800 Building $218,600

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

Flood

FEMA maps place 431 Main St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

Wildfire risk around 431 Main 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	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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