1 Kelso Dr, Bow, NH 03304 Property Records

Merrimack County and Bow Town property record for 1 Kelso Dr, Bow, NH 03304

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,904 sqft · built 2003
Lot Size	1.2 acres (52,272 sqft)
Owner	2 Individual Names on File
Last Sale	$650,000 (May 2026)
Tax Bill	$10,897 (2025)
Deeds & Mortgages	Sep 2023 Refinance May 2026 Sale & Mortgage
Flood Zone	Zone A (high risk)
APN	`4.025.00A.0`

Property Details

APN / Parcel Number

Primary APN	`4.025.00A.0`
Alternative APNs	`BOWW M:003 B:004 L:25-A` `4.025.00A.000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,904 sqft Living Area
Gross Area	3,792 sqft
1st Floor Area	952 sqft
Basement Area	504 sqft
Unfinished Basement	307 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	52,272 sqft (1.2 acres)
Garage Type	Basement
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	1 KELSO DR
City	BOW
State	NH
Zip	03304-4705
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES
Legal Block	4
Legal Lot Number	25-A
Jurisdiction	BOW TOWN NH
Township / Civil Division	BOW
Census Block Group	1
Census Block	1010
Census Tract	31002

Owner

1 Kelso Dr is owned by two individuals who bought it in May 2026.

Source: Merrimack County and Bow Town records, as of June 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3 BLACKBERRY WAY, 207, MANCHESTER, NH 03102-8102
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 19, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK
May 21, 2026	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 21, 2026 · Amount on File
Deed Sale	May 21, 2026 · Amount on File
Prior Sale	Jul 29, 2003 · Amount on File
Deed Document Number	2026202600007976
Deed Book / Page	3930 / 1199
Prior Transfer Date	Dec 23, 2024
Prior Transfer Doc	0000000038
Record Updated	Sep 20, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOW TOWN NH
Property Address	1 KELSO DR, BOW, NH 03304-4705
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000013552
Date	Sep 19, 2023
Book Page	3837/2436
Instrument	202300013552

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	301 Months
Due	Oct 1, 2048

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BOW TOWN NH
Recording Date	May 21, 2026
Property Address	1 KELSO DR, BOW, NH 03304-4705
Document Number	0000007976
Book / Page	3930 / 1199
Instrument Date	May 20, 2026
Instrument	20267976
Transaction Type	Transfer
Record Updated	Jul 28, 2026

Transaction

Amount	Amount on Record
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	Joint Tenants with Right of Survivorship

Mortgage

Date	May 21, 2026

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.37%
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 1 Kelso Dr was $10,897, up 1.4% from the year before.

Source: Merrimack County and Bow Town assessment roll, as of April 30, 2026

Property Jurisdictions

Type	Name
State	New Hampshire
County	Merrimack County
County Subdivision	Bow Town
Unified School District	Bow School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,897.00 (+1.37%)	$543,500 (-) Land $138,900 Building $404,600
2024	$10,750.00 (+20.65%)	$543,500 (+69.63%) Land $138,900 Building $404,600
2023	$8,910.00 (+4.86%)	$320,400 (-) Land $89,400 Building $231,000	$575,890
2022	$8,497.00	$320,400 Land $89,400 Building $231,000

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 1 Kelso Dr in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective January 22, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	7 in force
Nearby Flood Claims	6 (2006–2008)
Claims Outside the SFHA	1 of 6
Most Recent Claim	Apr 2008 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Apr 2007 · 4 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

Wildfire risk around 1 Kelso Dr 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	Direct burnable vegetation

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	BELLA BROOK WATER private · serves 50 people · EPA ID NH0262030
Water Source	Groundwater
Last State Inspection	Feb 2025

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 44 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Fidium Fiber Fiber	2,000 / 2,000
Xfinity Cable	2,000 / 250

May also be available: Breezeline.

Cell Coverage

5G (outdoors only) and 4G LTE

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