45 Summer St, Keene, NH 03431 Property Records

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

Property Summary

Property Type	Duplex
Details	4 bd · 2.5 ba · 2,362 sqft · built 1900
Lot Size	0.22 acres (9,583 sqft)
Owner	Individual Name on File
Last Sale	$221,533 (Mar 2021)
Tax Bill	$8,080 (2025)
Deeds & Mortgages	Mar 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`KEEN M:568 L:36`

Property Details

APN / Parcel Number

Primary APN	`KEEN M:568 L:36`
Alternative APN	`568036000000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Units	2 Units
Stories	2 Stories
Building Area	2,362 sqft Living Area
Gross Area	4,177 sqft
1st Floor Area	1,094 sqft
Attic	Attic
Attic Area	1,124 sqft
Basement Area	1,196 sqft
Unfinished Basement	1,196 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Slate
Lot Area	9,583 sqft (0.22 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Account Number	568036000000000
Street Address	45 SUMMER ST
City	KEENE
State	NH
Zip	03431-3318
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	DT-T
Legal Lot Number	36
Jurisdiction	KEENE CITY NH
Township / Civil Division	KEENE
Census Block Group	3
Census Block	3013
Census Tract	971300

Owner

45 Summer St, a duplex, is owned and occupied by an individual who bought it in March 2021.

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

Owner of Record	Individual Name on File
Mailing Address	45 SUMMER ST, KEENE, NH 03431-3318
Occupancy	Owner Occupied
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	Mar 24, 2021 · Amount on File
Deed Sale	Mar 24, 2021 · Amount on File
Prior Sale	May 22, 2017 · Amount on File
Deed Document Number	20213171
Deed Book / Page	3155 / 1358
Record Updated	Jun 8, 2026

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KEENE CITY NH
Recording Date	Mar 24, 2021
Property Address	45 SUMMER ST, KEENE, NH 03431-3318
Document Number	03155-1358
Book / Page	3155 / 1358
Instrument Date	Mar 24, 2021
Instrument	2103171
Transaction Type	Transfer
Record Updated	Dec 8, 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	20 CENTRAL SQ, KEENE, NH 03431-3795

Mortgage

Document Number	0002103172
Date	Mar 24, 2021
Instrument	2103172

Lender

Name	CLAREMONT SAVINGS BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 45 Summer St was $8,080, up 3.9% from the year before.

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	$8,080.00 (+3.92%)	$235,100 (-) Land $40,900 Building $194,200
2024	$7,775.00 (+3.71%)	$235,100 (-) Land $40,900 Building $194,200
2023	$7,497.00 (+2.77%)	$235,100 (-) Land $40,900 Building $194,200
2022	$7,295.00	$235,100 Land $40,900 Building $194,200

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

Flood

FEMA maps place 45 Summer St in Zone X, an area of minimal flood risk.

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 File 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.

Wildfire

Wildfire risk around 45 Summer 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	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 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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