48 Spruce St, Keene, NH 03431 Property Records

Cheshire County and Keene City property record for 48 Spruce St, Keene, NH 03431

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,201 sqft · built 1942
Lot Size	0.32 acres (13,939 sqft)
Owner	2 Individual Names on File
Last Sale	$220,000 (Oct 2021)
Tax Bill	$7,001 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`KEEN M:536 L:41`

Property Details

APN / Parcel Number

Primary APN	`KEEN M:536 L:41`
Alternative APN	`536041000000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,201 sqft Living Area
Gross Area	2,936 sqft
1st Floor Area	806 sqft
Attic	Attic
Attic Area	806 sqft
Basement Area	754 sqft
Unfinished Basement	754 sqft

Exterior

Year Built	Built 1942
Effective Year Built	Effective 1942
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,939 sqft (0.32 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	536041000000000
Street Address	48 SPRUCE ST
City	KEENE
State	NH
Zip	03431-2925
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MD
Legal Lot Number	41
Jurisdiction	KEENE CITY NH
Township / Civil Division	KEENE
Census Block Group	2
Census Block	2012
Census Tract	971300

Owner

48 Spruce St is owned and occupied by two individuals who bought it in October 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	48 SPRUCE ST, KEENE, NH 03431-2925
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	2 Names on Deed
Last Sale	Oct 12, 2021 · Amount on File
Deed Sale	Oct 12, 2021 · Amount on File
Prior Sale	May 22, 2019 · Amount on File
Deed Document Number	20212111134
Deed Book / Page	3184 / 1409
Transfer Doc	3044-799
Record Updated	Sep 20, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KEENE CITY NH
Recording Date	Oct 12, 2021
Property Address	48 SPRUCE ST, KEENE, NH 03431-2925
Document Number	3184-1409
Book / Page	3184 / 1409
Instrument Date	Oct 8, 2021
Instrument	2111134
Transaction Type	Transfer
Record Updated	Oct 27, 2021

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
Relationship	Tenants by the Entirety
Address	PO BOX 1042, KEENE, NH 03431-1042

Mortgage

Document Number	2111135
Date	Oct 12, 2021
Instrument	2111135

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 48 Spruce St was $7,001, 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	$7,001.00 (+3.93%)	$203,700 (-) Land $43,000 Building $160,700
2024	$6,736.00 (+3.69%)	$203,700 (-) Land $43,000 Building $160,700
2023	$6,496.00 (+2.77%)	$203,700 (-) Land $43,000 Building $160,700
2022	$6,321.00	$203,700 Land $43,000 Building $160,700

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

Flood

FEMA maps place 48 Spruce 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	2 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 48 Spruce 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 366 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