Cheshire County and Keene City property record for 87 Cross St, Keene, NH 03431
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,778 sqft · built 1850 |
| Lot Size | 0.16 acres (6,970 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $159,500 (Dec 2018) |
| Tax Bill | $7,328 (2025) |
| Deeds & Mortgages | Mar 2021 Refinance May 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | KEEN M:554 L:40 |
| Primary APN | KEEN M:554 L:40 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,778 sqft Living Area |
| Gross Area | 3,996 sqft |
| 1st Floor Area | 1,184 sqft |
| Attic | Attic |
| Attic Area | 360 sqft |
| Basement Area | 1,019 sqft |
| Unfinished Basement | 1,019 sqft |
| Year Built | Built 1850 |
|---|---|
| Effective Year Built | Effective 1850 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Slate |
| Lot Area | 6,970 sqft (0.16 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Account Number | 554040000000000 |
|---|---|
| Street Address | 87 CROSS ST |
| City | KEENE |
| State | NH |
| Zip | 03431-3011 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | HD |
| Legal Lot Number | 40 |
| Jurisdiction | KEENE CITY NH |
| Township / Civil Division | KEENE |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 971300 |
87 Cross St is owned and occupied by two individuals who bought it in December 2018.
Source: Cheshire County and Keene City records, as of April 28, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 87 CROSS ST, KEENE, NH 03431-3011 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 8, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC |
| May 19, 2023 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) SPRING EQ LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 12, 2018 · Amount on File |
| Deed Sale | Dec 12, 2018 · Amount on File |
| Deed Document Number | 201810145 |
| Deed Book / Page | 3049 / 1018 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KEENE CITY NH |
| Property Address | 87 CROSS ST, KEENE, NH 03431-3011 |
| Transaction Type | Mortgage |
| Record Updated | Dec 8, 2025 |
| Name | Verified Name |
|---|
| Document Number | 003153-638 |
|---|---|
| Date | Mar 8, 2021 |
| Book Page | 3153/638 |
| Instrument | 2102473 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KEENE CITY NH |
| Property Address | 87 CROSS ST, KEENE, NH 03431-3011 |
| Transaction Type | Mortgage |
| Record Updated | Dec 8, 2025 |
| Name | Verified Name |
|---|
| Document Number | 003246-643 |
|---|---|
| Date | May 19, 2023 |
| Book Page | 3246/643 |
| Instrument | 2303188 |
| Name | SPRING EQ LLC |
|---|
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Jun 1, 2043 |
The 2025 property tax bill for 87 Cross St was $7,328, 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 | $7,328.00 (+3.93%) | $213,200 (-) Land $37,900 Building $175,300 |
| 2024 | $7,051.00 (+3.71%) | $213,200 (-) Land $37,900 Building $175,300 |
| 2023 | $6,799.00 (+2.77%) | $213,200 (-) Land $37,900 Building $175,300 |
| 2022 | $6,616.00 | $213,200 Land $37,900 Building $175,300 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 87 Cross 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 87 Cross 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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