20 Clement Rd, Bow, NH 03304 Property Records

Merrimack County and Bow Town property record for 20 Clement Rd, Bow, NH 03304

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 1,786 sqft · built 2014
Lot Size	1.1 acres (47,916 sqft)
Owner	2 Individual Names on Record
Last Sale	$710,000 (Jul 2025)
Tax Bill	$12,906 (2025)
Deeds & Mortgages	Apr 2021 Refinance Feb 2025 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`4.097.00I.0`

Property Details

APN / Parcel Number

Primary APN	`4.097.00I.0`
Alternative APNs	`BOWW M:008 B:004 L:97-I` `4.097.00I.000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,786 sqft Living Area
Gross Area	3,384 sqft
1st Floor Area	1,192 sqft
Basement Area	400 sqft
Unfinished Basement	400 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	47,916 sqft (1.1 acres)
Garage Type	Basement

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	20 CLEMENT RD
City	BOW
State	NH
Zip	03304-4903
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RU
Legal Block	4
Legal Lot Number	97-I
Jurisdiction	BOW TOWN NH
Township / Civil Division	BOW
Census Block Group	1
Census Block	1028
Census Tract	31002

Owner

Source: Merrimack County and Bow Town records, as of April 30, 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	2 N SPRING ST, CONCORD, NH 03301-3936
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 19, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance BAR HARBOR BANK & TRUST CO
Feb 13, 2025	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Jul 29, 2025	Warranty Deed, Transfer · Conventional Mortgage A & D MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 29, 2025 · Amount on Record
Deed Sale	Jul 29, 2025 · Amount on Record
Prior Sale	Jul 3, 2017 · Amount on Record
Deed Document Number	202511273
Deed Book / Page	3897 / 999
Record Updated	Jun 8, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOW TOWN NH
Property Address	20 CLEMENT RD, BOW, NH 03304-4903
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010056
Date	Apr 19, 2021
Book Page	3734/950
Instrument	202100010056

Lender

Name	BAR HARBOR BANK & TRUST CO
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2036

February 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOW TOWN NH
Property Address	20 CLEMENT RD, BOW, NH 03304-4903
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002094
Date	Feb 13, 2025
Book Page	3881/2455
Instrument	202500002094

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Mar 1, 2050

Interest

Rate Type	Adjustable Rate

July 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BOW TOWN NH
Recording Date	Jul 29, 2025
Property Address	20 CLEMENT RD, BOW, NH 03304-4903
Document Number	0000011273
Book / Page	3897 / 999
Instrument Date	Jul 25, 2025
Instrument	202500011273
Transaction Type	Transfer
Record Updated	Nov 25, 2025

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	Joint Tenants
Address	2 N SPRING ST, CONCORD, NH 03301-3936

Mortgage

Document Number	0000011274
Date	Jul 29, 2025
Instrument	202500011274

Lender

Name	A & D MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2055

Tax Assessment & Valuation

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	$12,906.00 (+1.37%)	$643,700 (-) Land $131,300 Building $512,400
2024	$12,732.00 (+11.59%)	$643,700 (+56.89%) Land $131,300 Building $512,400
2023	$11,410.00 (+4.86%)	$410,300 (-) Land $93,300 Building $317,000	$606,290
2022	$10,881.00	$410,300 Land $93,300 Building $317,000

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

Flood

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
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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 53 locations within half a mile, as of December 31, 2025

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

May also be available: Fidium Fiber.

Cell Coverage

5G (outdoors only) and 4G LTE

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