464 Elm St, Keene, NH 03431 Property Records

Cheshire County and Keene City property record for 464 Elm St, Keene, NH 03431

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,156 sqft · built 1997
Lot Size	0.54 acres (23,522 sqft)
Owner	Individual Name on File
Last Sale	$289,900 (Aug 2007)
Tax Bill	$10,373 (2025)
Deeds & Mortgages	Nov 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`KEEN M:521 L:5`

Property Details

APN / Parcel Number

Primary APN	`KEEN M:521 L:5`
Alternative APNs	`521005000000000` `114020090000`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,156 sqft Living Area
Gross Area	4,714 sqft
1st Floor Area	1,232 sqft
Basement Area	1,232 sqft
Unfinished Basement	1,232 sqft
Game Room	Game Room

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Material	Asphalt
Lot Area	23,522 sqft (0.54 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	521005000000000
Street Address	464 ELM ST
City	KEENE
State	NH
Zip	03431-1823
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	2
Census Block	2020
Census Tract	971000

Owner

464 Elm St is owned and occupied by an individual who bought it in August 2007.

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

Owner of Record	Individual Name on File
Mailing Address	464 ELM ST, KEENE, NH 03431-1823
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	Aug 7, 2007 · Amount on File
Deed Sale	Aug 7, 2007 · Amount on File
Prior Sale	Dec 26, 2001 · Amount on File
Deed Book / Page	2455 / 749
Record Updated	Jun 8, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KEENE CITY NH
Property Address	464 ELM ST, KEENE, NH 03431-1823
Transaction Type	Mortgage
Record Updated	Nov 24, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3189-694
Date	Nov 12, 2021
Book Page	3189/694
Instrument	2112395

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	313 Months
Due	Dec 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 464 Elm St was $10,373, 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	$10,373.00 (+3.93%)	$301,800 (-) Land $44,100 Building $257,700
2024	$9,981.00 (+3.71%)	$301,800 (-) Land $44,100 Building $257,700
2023	$9,624.00 (+2.77%)	$301,800 (-) Land $44,100 Building $257,700
2022	$9,365.00	$301,800 Land $44,100 Building $257,700

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

Flood

FEMA maps place 464 Elm 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
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

Wildfire risk around 464 Elm 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

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 217 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

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Elm St

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