54 S Main St, Troy, NH 03465 Property Records

Cheshire County and Troy Town property record for 54 S Main St, Troy, NH 03465

Property Summary

Property Type	Multi-Family Dwellings
Details	4 bd · 3 ba · 3,145 sqft · built 1889
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on Record
Last Sale	$162,000 (Jul 2017)
Tax Bill	$6,490 (2025)
Deeds & Mortgages	Oct 2019 Mortgage Oct 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`TROY M:018 B:0241 L:0000`

Property Details

APN / Parcel Number

Primary APN	`TROY M:018 B:0241 L:0000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	12 Rooms
Units	3 Units
Stories	2 Stories
Building Area	3,145 sqft Living Area
Gross Area	4,271 sqft
1st Floor Area	1,233 sqft
Basement Area	605 sqft
Unfinished Basement	605 sqft

Exterior

Year Built	Built 1889
Effective Year Built	Effective 1889
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Metal
Lot Area	10,890 sqft (0.25 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	54 S MAIN ST
City	TROY
State	NH
Zip	03465-2315
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Local Zoning Code	VILLAG
Legal Block	241
Jurisdiction	TROY TOWN NH
Township / Civil Division	TROY
Census Block Group	4
Census Block	4023
Census Tract	970800

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Troy Village Historic District listed 2002 · 241 contributing resources · NRIS 02001500

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Cheshire County and Troy Town records, as of July 28, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	54 S MAIN ST, TROY, NH 03465-2315
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 24, 2019	Deed of Trust, Mortgage · FHA Mortgage HARBORONE MTG LLC
Oct 29, 2019	Grant Deed, Mortgage · FHA Mortgage HARBORONE MTG LLC
Jul 31, 2017	Deed of Trust, Mortgage · FHA Mortgage MERRIMACK MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 31, 2017 · Amount on Record
Deed Sale	Jul 31, 2017 · Amount on Record
Prior Sale	Oct 15, 2014 · Amount on Record
Deed Document Number	20171706227
Deed Book / Page	2994 / 994
Last Transfer Date	Oct 21, 2019
Transfer Doc	0030860960
Record Updated	Oct 29, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TROY TOWN NH
Property Address	54 S MAIN ST, TROY, NH 03465-2315
Document Number	0030860962
Instrument Date	Oct 24, 2019
Transaction Type	Mortgage
Record Updated	Nov 19, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	54 S MAIN ST TROY NH 034652315, TROY, NH 03465-2315

Mortgage

Document Number	0030860962
Date	Oct 29, 2019
Book Page	003086/000962
Instrument	8849

Lender

Name	HARBORONE MTG LLC
Address	MANCHESTER, NH 03101

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 28, 2049

October 2019: Grant Deed, Mortgage

Document Type	Grant Deed
Jurisdiction	TROY TOWN NH
Recording Date	Oct 29, 2019
Property Address	54 S MAIN ST, TROY, NH 03465-2315
Document Number	0030860960
Book / Page	003086 / 000960
Instrument Date	Oct 21, 2019
Instrument	8848
Transaction Type	Mortgage
Record Updated	Nov 22, 2019
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	54 S MAIN ST TROY NH 034652315, TROY, NH 03465-2315

Mortgage

Document Number	30860962
Date	Oct 29, 2019
Book Page	003086/000962
Instrument	8849

Lender

Name	HARBORONE MTG LLC
Address	MANCHESTER, NH 03101

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 28, 2049

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TROY TOWN NH
Property Address	54 S MAIN ST, TROY, NH 03465-2315
Document Number	0029940996
Book / Page	002994 / 000996
Instrument Date	Jul 31, 2017
Transaction Type	Mortgage
Record Updated	Oct 12, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	54 S MAIN ST TROY NH 034652315, TROY, NH 03465-2315

Mortgage

Document Number	0029940996
Date	Jul 31, 2017
Book Page	002994/000996
Instrument	6228

Lender

Name	MERRIMACK MTG
Type	Mortgage Company
Address	MANCHESTER, NH 03101

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 30, 2047

Tax Assessment & Valuation

Source: Cheshire County and Troy Town assessment roll, as of July 28, 2026

Property Jurisdictions

Type	Name
State	New Hampshire
County	Cheshire County
County Subdivision	Troy Town
Unified School District	Monadnock Regional School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$6,490.00 (+18.56%)	$301,300 (+91.42%) Land $23,000 Building $278,300
2018	$5,474.00	$157,400 Land $20,000 Building $137,400

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

Flood

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
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

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
Adjoins Burnable Land	Yes

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	TROY WATER WORKS serves 1,200 people · EPA ID NH2361010
Water Source	Groundwater
Last State Inspection	Jan 2024

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 183 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Fidium Fiber Fiber	2,000 / 2,000
Spectrum Fiber	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Xfinity.

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