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Single Family ResidenceResidential
$372,381$310 / 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 91How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026
Last sold for $220,000 on Oct 12, 2021

48 SPRUCE ST

KEENE, NH 03431
3
Beds
2
Baths
1,201 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.
0.32 ac
Lot SizeThe size of the land the home sits on, from county records.
1942
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
5
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$372K
$339K low$406K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$220,000 · Oct 12, 2021

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$7,001 (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.$203,700 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$43,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$160,700

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.47
75
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
5
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
53
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
93
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
10
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.54 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.0.32
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Hot Water
CoolingThe type of cooling or air conditioning in the home.Yes
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(1)

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

Foreclosure Filings(1)

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

E
Benjamin Franklin Elementary SchoolC+
Elementary · Grades KG–5 · 0.3 mi
H
Keene High SchoolB-
High · Grades 9–12 · 1.7 mi
M
Keene Middle SchoolC-
Middle · Grades 6–8 · 1.9 mi

District: Keene School District

Neighborhood · ZIP 03431These 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.106
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.82
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.66

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.93%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.28%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.8.6%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.7%
PopulationHow many people live in this area.24,909
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.389 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$69,957
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$90,624
Average tempThe average temperature here across a full year.45°F
Annual precipHow much rain and melted snow falls here in a typical year.43 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.54%

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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

48 Spruce 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.

  • Costs more per square foot than 80% of homes in Keene 03431
  • Smaller than 75% of homes in Cheshire County
  • Has a smaller lot than 81% of homes in Cheshire County
  • Older than 73% of homes in Cheshire County

What homes are worth in Keene 03431

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

This home
$208K$758K

This home is worth more than 51% of homes in Keene 03431.

How it measures up in Keene 03431

The dot is this home. The mark in the middle is the typical home in Keene 03431.

Estimated value$372,381
CheaperTypical $368,575Pricier

Pricier than 51% of homes nearby

Price per ft²$310
CheaperTypical $258Pricier

Pricier than 80% of homes nearby

Living area1,201 ft²
SmallerTypical 1,503 ft²Bigger

Bigger than 30% of homes nearby

Lot size0.32 ac
SmallerTypical 0.32 acBigger

Bigger than 50% of homes nearby

Year built1942
OlderTypical 1957Newer

Newer than 36% of homes nearby

How 48 Spruce St ranks against every home in each area.
MeasureThis homeKeene 03431Cheshire County
Estimated valuepricier than$372,38151% of homes40% of homes
Price per ft²pricier than$31080% of homes80% of homes
Living areabigger than1,201 ft²30% of homes25% of homes
Lot sizebigger than0.32 ac50% of homes19% of homes
Year builtnewer than194236% of homes27% of homes

About 48 Spruce St

How much is 48 Spruce St, Keene, NH worth?

The TopHap Estimate for 48 Spruce St, Keene, NH is $372,381 as of Aug 30, 2026. The likely range is $338,842 to $405,920. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 48 Spruce St, Keene, NH last sell?

48 Spruce St, Keene, NH last sold on Oct 12, 2021 for $220,000, according to the county's recorded deed.

How big is 48 Spruce St, Keene, NH?

48 Spruce St, Keene, NH has 3 bedrooms, 2 bathrooms, 1,201 square feet of living space and a 0.32-acre lot.

When was 48 Spruce St, Keene, NH built?

48 Spruce St, Keene, NH was built in 1942, making it 84 years old. It is a cape cod home. The building has 2 stories.

What schools serve 48 Spruce St, Keene, NH?

48 Spruce St, Keene, NH is assigned to Benjamin Franklin Elementary School (elementary), rated C+; Keene High School (high), rated B-; Keene Middle School (middle), rated C-. All sit in Keene School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 48 Spruce St, Keene, NH compare to other homes in Keene 03431?

Among the 7,077 homes in Keene 03431, it is worth more than 51% of them ($372,381 against a typical $368,575), its price per square foot is higher than 80% of them ($310 against a typical $258), it is bigger than 30% of them (1,201 ft² against a typical 1,503 ft²), its lot is bigger than 50% of them (0.32 ac against a typical 0.32 ac) and it is newer than 36% of them (1942 against a typical 1957). Measured against all of Cheshire County, it is worth more than 40% 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 48 Spruce St, Keene, NH?

The 2025 property tax bill for 48 Spruce St, Keene, NH was $7,001. The county assessed it at $203,700.

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