16 Bell St, Gorham, NH 03581 Property Records

Coos County and Gorham Town property record for 16 Bell St, Gorham, NH 03581

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,164 sqft · built 1914
Lot Size	0.194 acres (8,451 sqft)
Owner	2 Individual Names on Record
Last Sale	$260,000 (Jul 2023)
Tax Bill	$4,542 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Jul 2023 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`GORH M:U2 L:68`

Property Details

APN / Parcel Number

Primary APN	`GORH M:U2 L:68`
Alternative APN	`239`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,164 sqft Living Area
Gross Area	2,312 sqft

Exterior

Year Built	Built 1914
Effective Year Built	Effective 1930
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,451 sqft (0.194 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	239
Street Address	16 BELL ST
City	GORHAM
State	NH
Zip	03581-1304
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Lot Number	68
Jurisdiction	GORHAM TOWN NH
Township / Civil Division	GORHAM
Census Block Group	1
Census Block	1051
Census Tract	950900

Owner

Source: Coos County and Gorham Town records, as of May 29, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	16 BELL ST, GORHAM, NH 03581-1304
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2026	Deed of Trust, Mortgage · Line of Credit NORWAY SAVINGS BANK
Jul 27, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage GUILD MORTGAGE CO
Jul 22, 2020	Deed of Trust, Mortgage · Line of Credit TD BK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 27, 2023 · Amount on Record
Deed Sale	Jul 27, 2023 · Amount on Record
Prior Sale	Oct 30, 2017 · Amount on Record
Deed Document Number	20233052
Deed Book / Page	1632 / 151
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GORHAM TOWN NH
Recording Date	Jul 30, 2026
Property Address	16 BELL ST, GORHAM, NH 03581-1304
Document Number	0000003149
Book / Page	1709 / 676
Instrument Date	Jul 3, 2026
Instrument	20263149
Transaction Type	Mortgage
Record Updated	Aug 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 BELL ST, GORHAM, NH 03581-1304

Mortgage

Document Number	0000003149,
Date	Jul 30, 2026
Book Page	1709/676
Instrument	20263149

Lender

Name	NORWAY SAVINGS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Aug 1, 2031

Interest

Rate Type	Adjustable Rate
Rate	6.48%
Initial Type	Adjustable Rate
Max Rate	-1%

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GORHAM TOWN NH
Recording Date	Jul 27, 2023
Property Address	16 BELL ST, GORHAM, NH 03581-1304
Document Number	001632-151
Book / Page	1632 / 151
Instrument Date	Jul 25, 2023
Instrument	2303052
Transaction Type	Transfer
Record Updated	Aug 9, 2023

Transaction

Amount	Amount Recorded
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	132 HOWE ST, AUBURN, ME 04210-4029

Mortgage

Document Number	0002303053
Date	Jul 27, 2023
Instrument	2303053

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GORHAM TOWN NH
Property Address	16 BELL ST, GORHAM, NH 03581-1304
Document Number	0015420459
Instrument Date	Jul 22, 2020
Transaction Type	Mortgage
Record Updated	Aug 28, 2020
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	16 BELL ST GORHAM NH 035811304, GORHAM, NH 03581-1304

Mortgage

Document Number	0015420459
Date	Aug 18, 2020
Book Page	001542/000459
Instrument	2003325

Lender

Name	TD BK NA
Type	Bank
Address	WILMINGTON, DE 19808

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 17, 2050

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Coos County and Gorham Town assessment roll, as of May 29, 2026

Property Jurisdictions

Type	Name
State	New Hampshire
County	Coos County
County Subdivision	Gorham Town
Unified School District	Gorham Randolph Shelburne Cooperative School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,542.00 (-4.1%)	$193,680 (+15.7%) Land $47,300 Building $146,380
2024	$4,736.00 (+31.96%)	$167,400 (+13.11%) Land $35,700 Building $131,700
2023			$242,915
2022	$3,589.00 (+86.73%)	$148,000 (+174.07%) Land $35,700 Building $112,300
2021	$1,922.00	$54,000 Land $17,200 Building $36,800

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

Source: FEMA National Flood Hazard Layer, effective February 20, 2013 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	6 in force
Nearby Flood Claims	10 (1982–2023)
Claims Outside the SFHA	2 of 10
Most Recent Claim	Dec 2023 · Severe Storm And Flooding
Claims by Event	Severe Storm And Flooding, Dec 2023 · 4 claims Tropical Storm Irene, Aug 2011 · 3 claims Excessive Rainfall, High Winds, And Flooding, Nov 1995 · 2 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

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	Indirect within ember reach

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	GORHAM WATER AND SEWER DEPT serves 2,630 people · EPA ID NH0921010
Water Source	Surface water
Last State Inspection	Aug 2023

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 101 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Fidium Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000

May also be available: T-Mobile.

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