45 Birch St, Keene, NH 03431 Property Records

Cheshire County and Keene City property record for 45 Birch St, Keene, NH 03431

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,820 sqft · built 1947
Lot Size	0.64 acres (27,878 sqft)
Owner	Individual Name on Record
Last Sale	$429,000 (Sep 2024)
Tax Bill	$9,125 (2025)
Deeds & Mortgages	Sep 2024 Sale & Mortgage Jun 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`KEEN M:538 L:37`

Property Details

APN / Parcel Number

Primary APN	`KEEN M:538 L:37`
Alternative APNs	`538037000000000` `102010310000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,820 sqft Living Area
Gross Area	3,846 sqft
1st Floor Area	1,820 sqft
Basement Area	936 sqft
Unfinished Basement	936 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Architectural Style	Ranch
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	27,878 sqft (0.64 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	538037000000000
Street Address	45 BIRCH ST
City	KEENE
State	NH
Zip	03431-1503
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LD
Legal Lot Number	37
Jurisdiction	KEENE CITY NH
Township / Civil Division	KEENE
Census Block Group	1
Census Block	1000
Census Tract	971000

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	Individual Name on Record
Mailing Address	394 EAST RD, STAMFORD, VT 05352-9524
Owner Type	Individual
Vesting	Married Person

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2024	Warranty Deed, Transfer · Stand-Alone First Mortgage CMG MORTGAGE INC
Jun 14, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage COMMERCE BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 9, 2024 · Amount on Record
Deed Sale	Sep 9, 2024 · Amount on Record
Prior Sale	Jun 14, 2022 · Amount on Record
Deed Book / Page	3287 / 733
Record Updated	Jun 8, 2026

September 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KEENE CITY NH
Recording Date	Sep 9, 2024
Property Address	45 BIRCH ST, KEENE, NH 03431-1503
Document Number	003287-733
Book / Page	3287 / 733
Instrument Date	Sep 9, 2024
Instrument	2406052
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
Address	394 EAST RD, STAMFORD, VT 05352-9524

Mortgage

Document Number	0002406053
Date	Sep 9, 2024
Instrument	2406053

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KEENE CITY NH
Recording Date	Jun 14, 2022
Property Address	45 BIRCH ST, KEENE, NH 03431-1503
Document Number	003215-992
Book / Page	3215 / 992
Instrument Date	Jun 10, 2022
Instrument	2205476
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	2360 BIRCH ST, DENVER, CO 80207-3131

Mortgage

Document Number	0002205477
Date	Jun 14, 2022
Instrument	2205477

Lender

Name	COMMERCE BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	5%
Type Change Date	Jul 1, 2032
Max Rate At Change	2.75%
Index	1-Year CMT

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	$9,125.00 (+5.27%)	$265,500 (+1.3%) Land $49,000 Building $216,500
2024	$8,668.00 (+3.71%)	$262,100 (-) Land $49,000 Building $213,100
2023	$8,358.00 (+2.77%)	$262,100 (-) Land $49,000 Building $213,100
2022	$8,133.00	$262,100 Land $49,000 Building $213,100

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	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

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 157 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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