15 Kelso Dr, Bow, NH 03304 Property Records

Merrimack County and Bow Town property record for 15 Kelso Dr, Bow, NH 03304

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,608 sqft · built 1999
Lot Size	1.3 acres (56,628 sqft)
Owner	2 Individual Names on File
Last Sale	$675,000 (Sep 2023)
Tax Bill	$14,811 (2025)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Feb 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`4.025.00H.0`

Property Details

APN / Parcel Number

Primary APN	`4.025.00H.0`
Alternative APNs	`BOWW M:002 B:004 L:25-H` `4.025.00H.000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,608 sqft Living Area
Gross Area	5,895 sqft
1st Floor Area	1,344 sqft
Attic	Attic
Attic Area	1,344 sqft
Basement Area	586 sqft
Unfinished Basement	586 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Hip
Roof Material	Asphalt
Lot Area	56,628 sqft (1.3 acres)
Garage Type	Basement
Pool Type	Spa / Hot Tub (No Pool)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	15 KELSO DR
City	BOW
State	NH
Zip	03304-4706
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES
Legal Block	4
Legal Lot Number	25-H
Jurisdiction	BOW TOWN NH
Township / Civil Division	BOW
Census Block Group	1
Census Block	1010
Census Tract	31002

Owner

15 Kelso Dr is owned and occupied by two individuals who bought it in September 2023.

Source: Merrimack County and Bow Town records, as of June 2, 2026

Owner of Record	2 Individual Names on File
Mailing Address	15 KELSO DR, BOW, NH 03304-4706
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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 18, 2023	Warranty Deed, Transfer · FHA Mortgage NAVY FCU
Feb 24, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance DRAPER AND KRAMER MORTGAGE CORP.

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 18, 2023 · Amount on File
Deed Sale	Sep 18, 2023 · Amount on File
Prior Sale	Jul 31, 2017 · Amount on File
Deed Document Number	202313478
Deed Book / Page	3837 / 1859
Transfer Doc	2116000323
Record Updated	Sep 20, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BOW TOWN NH
Recording Date	Sep 18, 2023
Property Address	15 KELSO DR, BOW, NH 03304-4706
Document Number	0000013478
Book / Page	3837 / 1859
Instrument Date	Sep 18, 2023
Instrument	202300013478
Transaction Type	Transfer
Record Updated	Oct 4, 2023

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	Tenants by the Entirety
Address	686 HUSE RD, MANCHESTER, NH 03103-2320

Mortgage

Document Number	0000013479
Date	Sep 18, 2023
Instrument	202300013479

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	FHA Mortgage
Amount	Amount on Record

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOW TOWN NH
Property Address	15 KELSO DR, BOW, NH 03304-4706
Transaction Type	Mortgage
Record Updated	Mar 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100004818
Date	Feb 24, 2021
Book Page	3724/2755
Instrument	202100004818

Lender

Name	DRAPER AND KRAMER MORTGAGE CORP.

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 15 Kelso Dr was $14,811, 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	$14,811.00 (+1.37%)	$738,700 (-) Land $147,000 Building $591,700
2024	$14,611.00 (+15.45%)	$738,700 (+62.32%) Land $147,000 Building $591,700
2023	$12,656.00 (+4.86%)	$455,100 (-) Land $94,700 Building $360,400	$628,425
2022	$12,069.00	$455,100 Land $94,700 Building $360,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 15 Kelso Dr in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
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 15 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 64 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Fidium Fiber Fiber	2,000 / 2,000
Xfinity Cable	1,200 / 35

Cell Coverage

5G and 4G LTE (outdoors only)

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