Cheshire County and Keene City property record for 45 Rule St, Keene, NH 03431
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 980 sqft · built 1910 |
| Lot Size | 0.32 acres (13,939 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $140,000 (May 2022) |
| Tax Bill | $4,829 (2025) |
| Deeds & Mortgages | May 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | KEEN M:518 L:45 |
| Primary APN | KEEN M:518 L:45 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 980 sqft Living Area |
| Gross Area | 2,129 sqft |
| 1st Floor Area | 578 sqft |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 13,939 sqft (0.32 acres) |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Account Number | 518045000000000 |
|---|---|
| Street Address | 45 RULE ST |
| City | KEENE |
| State | NH |
| Zip | 03431-2032 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | LD |
| Legal Lot Number | 45 |
| Jurisdiction | KEENE CITY NH |
| Township / Civil Division | KEENE |
| Census Block Group | 4 |
| Census Block | 4010 |
| Census Tract | 971100 |
45 Rule St is owned and occupied by two individuals who bought it in May 2022.
Source: Cheshire County and Keene City records, as of July 28, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 45 RULE ST, KEENE, NH 03431-2032 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 9, 2022 · Amount on File |
| Deed Sale | May 9, 2022 · Amount on File |
| Prior Sale | Jul 15, 2009 · Amount on File |
| Deed Book / Page | 3211 / 791 |
| Transfer Doc | 2024000603 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KEENE CITY NH |
| Recording Date | May 9, 2022 |
| Property Address | 45 RULE ST, KEENE, NH 03431-2032 |
| Document Number | 003211-791 |
| Book / Page | 3211 / 791 |
| Instrument Date | May 6, 2022 |
| Instrument | 2204254 |
| Transaction Type | Transfer |
| Record Updated | May 25, 2022 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 45 RULE ST, KEENE, NH 03431-2032 |
| Document Number | 0002204255 |
|---|---|
| Date | May 9, 2022 |
| Instrument | 2204255 |
| Name | NHFA |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Number | 003211-805 |
|---|---|
| Date | May 9, 2022 |
| Book Page | 3211/805 |
| Instrument | 2204256 |
| Name | NHFA |
|---|
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount on Record |
| Term | 49 Months |
| Due | Jun 1, 2026 |
The 2025 property tax bill for 45 Rule St was $4,829, up 3.9% from the year before.
Source: Cheshire County and Keene City assessment roll, as of July 28, 2026
| Type | Name |
|---|---|
| State | New Hampshire |
| County | Cheshire County |
| Municipality | Keene City |
| Unified School District | Keene School District (PK - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $4,829.00 (+3.94%) | $140,500 (-) Land $32,300 Building $108,200 |
| 2024 | $4,646.00 (+3.68%) | $140,500 (-) Land $32,300 Building $108,200 |
| 2023 | $4,481.00 (+2.78%) | $140,500 (-) Land $32,300 Building $108,200 |
| 2022 | $4,360.00 | $140,500 Land $32,300 Building $108,200 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 45 Rule 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 |
|
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 risk around 45 Rule 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 118 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 |
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