84 Elm Street, Keene, NH, 03431 | $540,000

Welcome to 84 Elm Street, an exceptional two-family property offering flexibility, charm, and income potential, just a five-minute walk from bustling downtown Keene. Whether you're looking to owner-occupy while offsetting your mortgage, or need a smart layout for multi-generational living, this home is ideally suited for both. Each unit provides comfortable, separate living spaces, while the property itself offers a rare combination of character and modern updates. The first-floor unit features a beautifully renovated kitchen and bathroom (2023), blending functionality with thoughtful design. Upstairs, you’ll find unique details, including a striking tile mosaic of Mount Monadnock in the kitchen—adding a true sense of place and craftsmanship. Recent improvements include new 200-amp electrical service for both units (2023), all new windows (2025), and a new water heater (2026), giving the new owner peace of mind for years to come. Outside, the property continues to impress. A large, paved driveway provides ample parking for multiple vehicles, as well as space for an RV or boat. The expansive backyard is a standout feature, complete with trees, blueberry bushes, a large grape arbor, raised vegetable gardens, and established perennials—perfect for relaxing, entertaining, or gardening enthusiasts. Additional highlights include a two-car garage equipped with a Level 2 EV charger, along with a spacious barn and workshop offering excellent storage or hobby space. This is a rare opportunity to own a well-built, thoughtfully updated multi-family home in a highly walkable Keene location—ideal for both homeowners and investors alike. The owner is a licensed real estate salesperson in the State of New Hampshire.

Features

  • Baths: 2 full
  • Units: 2
  • Style: Greek Revival
  • Year Built: 1850
  • Garage: 2-car Garage
  • Heating: Propane,Oil,Forced Air,Gas Heater
  • Cooling: None
  • Basement: Concrete Floor,Dirt,Full,Basement Stairs
  • Approx Sq. Feet: 2,226
  • Acreage: 0.27
  • Est. Taxes: $8,782
  • Lot Desc: City Lot,In Town
  • High School: Keene High School
  • School District: Keene Sch Dst SAU #29
  • MLS#: 5086183
  • Website: https://www.raveis.com
    /prop/5086183/84elmstreet_keene_nh?source=qrflyer
©2026 New England Real Estate Network, Inc. All rights reserved.This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of PrimMLS. The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data last updated 5/13/2026
Listing courtesy of H. G. Johnson Real Estate   Phone: 603-352-5533
Listing Agent: George Hansel

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Frank KolbSenior Vice President - Coaching & Strategic, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 81725

203.980.8025

Frank.Kolb@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
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Our Insurance Division:

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84 Elm Street, Keene, NH, 03431

$540,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Frank Kolb

Senior Vice President - Coaching & Strategic

William Raveis Mortgage, LLC

Phone: 203.980.8025

Frank.Kolb@raveis.com

NMLS Mortgage Loan Originator ID 81725

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $432,000 $432,000 $432,000
Term 360 months 360 months 180 months
Initial Interest Rate** 6.000% 6.375% 5.625%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.374% 6.524% 5.866%
Monthly Tax Payment $732 $732 $732
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $2,590 $2,695 $3,559
Total Monthly Payment $3,414 $3,519 $4,383

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.