Cheshire County and Keene City property record for 74 Elm St, Keene, NH 03431
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,590 sqft · built 1898 |
| Lot Size | 0.11 acres (4,792 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $250,000 (Aug 2022) |
| Tax Bill | $6,757 (2025) |
| Deeds & Mortgages | Jul 2025 Line of Credit Aug 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | KEEN M:554 L:26 |
| Primary APN | KEEN M:554 L:26 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,590 sqft Living Area |
| Gross Area | 3,134 sqft |
| 1st Floor Area | 900 sqft |
| Attic | Attic |
| Attic Area | 165 sqft |
| Basement Area | 801 sqft |
| Unfinished Basement | 801 sqft |
| Year Built | Built 1898 |
|---|---|
| Effective Year Built | Effective 1898 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 4,792 sqft (0.11 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Account Number | 554026000000000 |
|---|---|
| Street Address | 74 ELM ST |
| City | KEENE |
| State | NH |
| Zip | 03431-3052 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | HD |
| Legal Lot Number | 26 |
| Jurisdiction | KEENE CITY NH |
| Township / Civil Division | KEENE |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 971300 |
74 Elm St is owned and occupied by two individuals who bought it in August 2022.
Source: Cheshire County and Keene City records, as of April 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 74 ELM ST, KEENE, NH 03431-3052 |
| 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.
| Date | Document |
|---|---|
| Jul 9, 2025 | Deed of Trust, Mortgage · Line of Credit SAVINGS BANK OF WALPOLE |
| Aug 19, 2022 | Warranty Deed, Transfer · Stand-Alone First Mortgage CMG MORTGAGE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 19, 2022 · Amount on File |
| Deed Sale | Aug 19, 2022 · Amount on File |
| Prior Sale | Dec 31, 2019 · Amount on File |
| Deed Book / Page | 3223 / 413 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KEENE CITY NH |
| Property Address | 74 ELM ST, KEENE, NH 03431-3052 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|
| Document Number | 003315-383 |
|---|---|
| Date | Jul 9, 2025 |
| Book Page | 3315/383 |
| Instrument | 2504816 |
| Name | SAVINGS BANK OF WALPOLE |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2055 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KEENE CITY NH |
| Recording Date | Aug 19, 2022 |
| Property Address | 74 ELM ST, KEENE, NH 03431-3052 |
| Document Number | 003223-413 |
| Book / Page | 3223 / 413 |
| Instrument Date | Aug 18, 2022 |
| Instrument | 2207695 |
| Transaction Type | Transfer |
| Record Updated | Dec 8, 2025 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 62 ROXBURY ST UNIT 120, 120, KEENE, NH 03431-0390 |
| Document Number | 0002207696 |
|---|---|
| Date | Aug 19, 2022 |
| Instrument | 2207696 |
| Name | CMG MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 74 Elm St was $6,757, up 3.9% from the year before.
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 | $6,757.00 (+3.92%) | $196,600 (-) Land $35,300 Building $161,300 |
| 2024 | $6,502.00 (+3.7%) | $196,600 (-) Land $35,300 Building $161,300 |
| 2023 | $6,270.00 (+2.79%) | $196,600 (-) Land $35,300 Building $161,300 |
| 2022 | $6,100.00 | $196,600 Land $35,300 Building $161,300 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 74 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 risk around 74 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 | 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 351 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 |
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