45 Oak St, Keene, NH 03431 Property Records

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

Property Summary

Property Type	Duplex
Details	5 bd · 2 ba · 2,120 sqft · built 1870
Lot Size	0.08 acres (3,485 sqft)
Owner	Individual Name on File
Last Sale	$250,000 (Oct 2022)
Tax Bill	$6,348 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`KEEN M:552 L:46`

Property Details

APN / Parcel Number

Primary APN	`KEEN M:552 L:46`
Alternative APN	`552046000000000`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,120 sqft Living Area
Gross Area	3,498 sqft
1st Floor Area	1,016 sqft
Attic	Attic
Attic Area	760 sqft

Exterior

Year Built	Built 1870
Effective Year Built	Effective 1870
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,485 sqft (0.08 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	552046000000000
Street Address	45 OAK ST
City	KEENE
State	NH
Zip	03431-3250
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	MD
Legal Lot Number	46
Jurisdiction	KEENE CITY NH
Township / Civil Division	KEENE
Census Block Group	4
Census Block	4011
Census Tract	971100

Owner

45 Oak St, a duplex, is owned by an individual who bought it in October 2022.

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

Owner of Record	Individual Name on File
Mailing Address	251 PARK AVE, 1, KEENE, NH 03431-1777
Owner Type	Individual

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	Name on Deed
Last Sale	Oct 25, 2022 · Amount on File
Deed Sale	Oct 25, 2022 · Amount on File
Prior Sale	Aug 29, 2013 · Amount on File
Deed Document Number	2022755
Deed Book / Page	3229 / 1227
Record Updated	Sep 20, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KEENE CITY NH
Recording Date	Oct 25, 2022
Property Address	45 OAK ST, KEENE, NH 03431-3250
Document Number	03229-1227
Book / Page	3229 / 1227
Instrument Date	Oct 24, 2022
Instrument	2209755
Transaction Type	Transfer
Record Updated	Nov 20, 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	36 GREEN ST, KEENE, NH 03431-3023

Mortgage

Document Number	0002209756
Date	Oct 25, 2022
Instrument	2209756

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 45 Oak St was $6,348, 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	$6,348.00 (+3.93%)	$184,700 (-) Land $30,900 Building $153,800
2024	$6,108.00 (+3.7%)	$184,700 (-) Land $30,900 Building $153,800
2023	$5,890.00 (+2.77%)	$184,700 (-) Land $30,900 Building $153,800
2022	$5,731.00	$184,700 Land $30,900 Building $153,800

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

Flood

FEMA maps place 45 Oak St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1984.

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	3 in force
Nearby Flood Claims	4 (1984–2012)
Most Recent Claim	May 2012 · Severe Storm And Flooding
Claims by Event	Severe Storms And Flooding, Oct 2005 · 2 claims

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 45 Oak 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
Adjoins Burnable Land	Yes

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 212 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
Verizon Fixed Wireless	300 / 20