Cheshire County and Keene City property record for 84 Elm St, Keene, NH 03431
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 2 ba · 2,226 sqft · built 1850 |
| Lot Size | 0.27 acres (11,761 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $490,000 (Sep 2026) |
| Tax Bill | $8,782 (2025) |
| Deeds & Mortgages | Sep 2026 Sale & Mortgage Mar 2022 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | KEEN M:554 L:28 |
| Primary APN | KEEN M:554 L:28 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 9 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 2,226 sqft Living Area |
| Gross Area | 5,844 sqft |
| 1st Floor Area | 1,046 sqft |
| Attic | Attic |
| Attic Area | 1,046 sqft |
| Basement Area | 1,046 sqft |
| Unfinished Basement | 1,046 sqft |
| Year Built | Built 1850 |
|---|---|
| Effective Year Built | Effective 1850 |
| Architectural Style | Duplex Single |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Slate |
| Lot Area | 11,761 sqft (0.27 acres) |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Account Number | 554028000000000 |
|---|---|
| Street Address | 84 ELM ST |
| City | KEENE |
| State | NH |
| Zip | 03431-3052 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | HD |
| Legal Lot Number | 28 |
| Jurisdiction | KEENE CITY NH |
| Township / Civil Division | KEENE |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 971300 |
Source: Cheshire County and Keene City records, as of September 23, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 84 ELM ST, KEENE, NH 03431-3052 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants with Right of Survivorship |
| Date | Document |
|---|---|
| Sep 4, 2026 | Warranty Deed, Transfer · Conventional Mortgage MASCOMA SAVINGS BANK |
| Mar 7, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance MASCOMA BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 4, 2026 · Amount on Record |
| Deed Sale | Sep 4, 2026 · Amount on Record |
| Prior Sale | Sep 8, 2017 · Amount on Record |
| Deed Document Number | 20267149 |
| Deed Book / Page | 3362 / 336 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KEENE CITY NH |
| Recording Date | Sep 4, 2026 |
| Property Address | 84 ELM ST, KEENE, NH 03431-3052 |
| Document Number | 0000007149 |
| Book / Page | 3362 / 336 |
| Instrument Date | Sep 4, 2026 |
| Instrument | 20267149 |
| Transaction Type | Transfer |
| Record Updated | Sep 23, 2026 |
| Amount | Amount Recorded |
|---|---|
| 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 | Joint Tenants with Right of Survivorship |
| Address | 84 ELM ST, KEENE, NH 03431-3052 |
| Date | Sep 4, 2026 |
|---|
| Name | MASCOMA SAVINGS BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KEENE CITY NH |
| Property Address | 84 ELM ST, KEENE, NH 03431-3052 |
| Transaction Type | Mortgage |
| Record Updated | Dec 8, 2025 |
| Name | Verified Name |
|---|
| Document Number | 003204-547 |
|---|---|
| Date | Mar 7, 2022 |
| Book Page | 3204/547 |
| Instrument | 2202172 |
| Name | MASCOMA BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Apr 1, 2037 |
Source: Cheshire County and Keene City assessment roll, as of July 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 | $8,782.00 (+3.94%) | $255,500 (-) Land $42,700 Building $212,800 |
| 2024 | $8,449.00 (+3.69%) | $255,500 (-) Land $42,700 Building $212,800 |
| 2023 | $8,148.00 (+2.77%) | $255,500 (-) Land $42,700 Building $212,800 |
| 2022 | $7,928.00 | $255,500 Land $42,700 Building $212,800 |
Assessed value is set for property tax purposes and is not a market price estimate.
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.
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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