97 Cider Mill Rd, Keene, NH 03431 Property Records

Cheshire County and Surry Town property record for 97 Cider Mill Rd, Keene, NH 03431

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 4,467 sqft · built 2011
Lot Size	2.2 acres (95,832 sqft)
Owner	2 Individual Names on Record
Last Sale	$625,000 (Jul 2023)
Tax Bill	$10,132 (2025)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`SURR M:0005B B:000071 L:00000O`

Property Details

APN / Parcel Number

Primary APN	`SURR M:0005B B:000071 L:00000O`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	4,467 sqft Living Area
Gross Area	6,820 sqft

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Architectural Style	Colonial
Exterior Material	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	95,832 sqft (2.2 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	97 CIDER MILL RD
City	KEENE
State	NH
Zip	03431-4029
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RURAL
Legal Block	71
Legal Lot Number	O
Jurisdiction	SURRY TOWN NH
Township / Civil Division	SURRY
Census Block Group	1
Census Block	1074
Census Tract	970100

Owner

Source: Cheshire County and Surry Town records, as of April 28, 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	97 CIDER MILL RD, KEENE, NH 03431-4029
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage TD BANK NA
Sep 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage SAVINGS BK WALPOLE
Jun 30, 2017	Deed of Trust, Mortgage · Conventional Mortgage MASCOMA SVGS BK/NH

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 21, 2023 · Amount on Record
Deed Sale	Jul 21, 2023 · Amount on Record
Prior Sale	Jun 30, 2017 · Amount on Record
Deed Document Number	20234947
Deed Book / Page	3252 / 952
Record Updated	Jun 8, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SURRY TOWN NH
Recording Date	Jul 21, 2023
Property Address	97 CIDER MILL RD, SURRY, NH 03431-4029
Document Number	003252-952
Book / Page	3252 / 952
Instrument Date	Jul 20, 2023
Instrument	2304947
Transaction Type	Transfer
Record Updated	Aug 2, 2023

Transaction

Amount	Amount Recorded
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	9 OLD TRESTLE RD, MARLBOROUGH, NH 03455-2158

Mortgage

Document Number	0002304948
Date	Jul 21, 2023
Instrument	2304948

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SURRY TOWN NH
Property Address	97 CIDER MILL RD, SURRY, NH 03431-4029
Document Number	0031270187
Instrument Date	Sep 9, 2020
Transaction Type	Mortgage
Record Updated	Sep 24, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	97 CIDER MILL RD SURRY NH 034314029, SURRY, NH 03431-4029

Mortgage

Document Number	0031270187
Date	Sep 14, 2020
Book Page	003127/000187
Instrument	7789

Lender

Name	SAVINGS BK WALPOLE
Type	Federal Savings Bank
Address	WALPOLE, NH 03608

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 13, 2035

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SURRY TOWN NH
Property Address	97 CIDER MILL RD, SURRY, NH 03431-4029
Document Number	0029910217
Instrument Date	Jun 30, 2017
Transaction Type	Mortgage
Record Updated	Aug 21, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	97 CIDER MILL RD SURRY NH 034314029, SURRY, NH 03431-4029

Mortgage

Document Number	0029910217
Date	Jun 30, 2017
Book Page	002991/000217
Instrument	1705238

Lender

Name	MASCOMA SVGS BK/NH
Type	Credit Union
Address	LEBANON, NH 03766

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jun 29, 2037

Tax Assessment & Valuation

Source: Cheshire County and Surry Town assessment roll, as of April 28, 2026

Property Jurisdictions

Type	Name
State	New Hampshire
County	Cheshire County
County Subdivision	Surry Town
Unified School District	Surry School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$10,132.00 (+4.99%)	$602,400 (-) Land $107,600 Building $494,800
2023	$9,650.00 (-1.05%)	$602,400 (-0.79%) Land $107,600 Building $494,800
2022	$9,752.00	$607,200 Land $107,600 Building $499,600

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	9 in force
Nearby Flood Claims	7 (1979–2013)
Most Recent Claim	Jul 2013 · Severe Storms, Tornadoes, And Flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, Jul 2013 · 2 claims Severe Storms And Flooding, Oct 2005 · 3 claims

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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 20 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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