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Single Family ResidenceResidential
$551,910$169 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 94How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $430,000 on Apr 13, 2023

178 PROSPECT ST

TROY, NH 03465
2
Beds
2
Baths
3,259 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
2.88 ac
Lot SizeThe size of the land the home sits on, from county records.
2008
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
6
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$552K
$517K low$587K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$430,000 · Apr 13, 2023
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$166,410
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$133,128
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.68%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$365,500
MASCOMA BANK · P · 6.38% 1 · recorded Apr 13, 2023
2nd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$20,000
MASCOMA BANK

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$9,577 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$444,600 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$42,500
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$402,100

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.7 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Cape Cod
CountyCHESHIRE
Lot (acres)The size of the land the home sits on, from county records.2.88
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Radiant
CoolingThe type of cooling or air conditioning in the home.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.No Garage
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck

Transaction History(7)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Troy Elementary SchoolD+
Elementary · Grades PK–6 · 1.0 mi
M
Monadnock Regional Middle SchoolD+
Middle · Grades 7–8 · 5.9 mi
H
Monadnock Regional High SchoolB-
High · Grades 9–12 · 5.9 mi

District: Monadnock Regional School District

Neighborhood · ZIP 03465These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.104
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.83
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.62

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.95%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.20%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.9.5%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.8%
PopulationHow many people live in this area.2,385
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.128 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$65,585
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$82,837
Average tempThe average temperature here across a full year.45°F
Annual precipHow much rain and melted snow falls here in a typical year.48 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.54%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

178 Prospect St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 97% of homes in Troy 03465
  • Costs less per square foot than 90% of homes in Cheshire County
  • Bigger than 95% of homes in Troy 03465
  • Has a bigger lot than 68% of homes in Troy 03465
  • Newer than 93% of homes in Cheshire County

What homes are worth in Troy 03465

Each bar is how many homes fall in that price range. The marker is this home.

This home
$199K$627K

This home is worth more than 97% of homes in Troy 03465.

How it measures up in Troy 03465

The dot is this home. The mark in the middle is the typical home in Troy 03465.

Estimated value$551,910
CheaperTypical $338,590Pricier

Pricier than 97% of homes nearby

Price per ft²$169
CheaperTypical $202Pricier

Pricier than 19% of homes nearby

Living area3,259 ft²
SmallerTypical 1,651 ft²Bigger

Bigger than 95% of homes nearby

Lot size2.88 ac
SmallerTypical 1.28 acBigger

Bigger than 68% of homes nearby

Year built2008
OlderTypical 1966Newer

Newer than 92% of homes nearby

How 178 Prospect St ranks against every home in each area.
MeasureThis homeTroy 03465Cheshire County
Estimated valuepricier than$551,91097% of homes80% of homes
Price per ft²pricier than$16919% of homes10% of homes
Living areabigger than3,259 ft²95% of homes92% of homes
Lot sizebigger than2.88 ac68% of homes68% of homes
Year builtnewer than200892% of homes93% of homes

About 178 Prospect St

How much is 178 Prospect St, Troy, NH worth?

The TopHap Estimate for 178 Prospect St, Troy, NH is $551,910 as of Jul 14, 2026. The likely range is $517,133 to $586,687. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 178 Prospect St, Troy, NH last sell?

178 Prospect St, Troy, NH last sold on Apr 13, 2023 for $430,000, according to the county's recorded deed.

How big is 178 Prospect St, Troy, NH?

178 Prospect St, Troy, NH has 2 bedrooms, 2 bathrooms, 3,259 square feet of living space and a 2.88-acre lot.

When was 178 Prospect St, Troy, NH built?

178 Prospect St, Troy, NH was built in 2008, making it 18 years old. It is a cape cod home. The building has 2 stories.

What schools serve 178 Prospect St, Troy, NH?

178 Prospect St, Troy, NH is assigned to Troy Elementary School (elementary), rated D+; Monadnock Regional Middle School (middle), rated D+; Monadnock Regional High School (high), rated B-. All sit in Monadnock Regional School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 178 Prospect St, Troy, NH compare to other homes in Troy 03465?

Among the 763 homes in Troy 03465, it is worth more than 97% of them ($551,910 against a typical $338,590), its price per square foot is higher than 19% of them ($169 against a typical $202), it is bigger than 95% of them (3,259 ft² against a typical 1,651 ft²), its lot is bigger than 68% of them (2.88 ac against a typical 1.28 ac) and it is newer than 92% of them (2008 against a typical 1966). Measured against all of Cheshire County, it is worth more than 80% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 178 Prospect St, Troy, NH?

The 2025 property tax bill for 178 Prospect St, Troy, NH was $9,577. The county assessed it at $444,600.

Closest homes

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Assigned schools

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