Cheshire County and Keene City property record for 45 School St, Keene, NH 03431
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 2,631 sqft · built 1916 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $312,000 (Jul 2005) |
| Tax Bill | $11,129 (2025) |
| Deeds & Mortgages | Apr 2026 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | KEEN M:568 L:5 |
| Primary APN | KEEN M:568 L:5 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,631 sqft Living Area |
| Gross Area | 5,207 sqft |
| 1st Floor Area | 1,364 sqft |
| Attic | Attic |
| Attic Area | 999 sqft |
| Basement Area | 1,124 sqft |
| Unfinished Basement | 1,124 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1916 |
|---|---|
| Effective Year Built | Effective 1916 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Slate |
| Lot Area | 7,405 sqft (0.17 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Account Number | 568005000000000 |
|---|---|
| Street Address | 45 SCHOOL ST |
| City | KEENE |
| State | NH |
| Zip | 03431-3352 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | LD |
| Legal Lot Number | 5 |
| Jurisdiction | KEENE CITY NH |
| Township / Civil Division | KEENE |
| Census Block Group | 3 |
| Census Block | 3017 |
| Census Tract | 971300 |
Source: Cheshire County and Keene City records, as of May 20, 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 Record |
|---|---|
| Mailing Address | 45 SCHOOL ST, KEENE, NH 03431-3352 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 5, 2005 · Amount on Record |
| Deed Sale | Jul 5, 2005 · Amount on Record |
| Deed Book / Page | 2257 / 37 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KEENE CITY NH |
| Recording Date | Apr 30, 2026 |
| Property Address | 45 SCHOOL ST, KEENE, NH 03431-3352 |
| Document Number | 0003347-50 |
| Book / Page | 3347 / 50 |
| Instrument Date | Apr 20, 2026 |
| Instrument | 20263087 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 45 SCHOOL ST, KEENE, NH 03431-3352 |
| Document Number | 0000003087, |
|---|---|
| Date | Apr 30, 2026 |
| Book Page | 3347/50 |
| Instrument | 20263087 |
| Name | GFA FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | May 1, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.22% |
| Initial Type | Adjustable Rate |
| Max Rate | -1% |
Source: Cheshire County and Keene City assessment roll, as of April 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 | $11,129.00 (+3.93%) | $323,800 (-) Land $42,300 Building $281,500 |
| 2024 | $10,708.00 (+3.7%) | $323,800 (-) Land $42,300 Building $281,500 |
| 2023 | $10,326.00 (+2.77%) | $323,800 (-) Land $42,300 Building $281,500 |
| 2022 | $10,048.00 | $323,800 Land $42,300 Building $281,500 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 |
| Flood Insurance Cost | Premium on Record median of 10 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 10 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.
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.
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 227 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 |
May also be available: Verizon.
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