4 Elm St, Wolfeboro, NH 03894 Property Records

Carroll County and Wolfeboro Town property record for 4 Elm St, Wolfeboro, NH 03894

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 4,041 sqft · built 1875
Lot Size	0.75 acres (32,670 sqft)
Owner	2 Individual Names on File
Last Sale	$510,000 (Feb 2018)
Tax Bill	$10,171 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit Apr 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`WOLF M:00204 B:000010 L:000000`

Property Details

APN / Parcel Number

Primary APN	`WOLF M:00204 B:000010 L:000000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,041 sqft Living Area
Gross Area	6,960 sqft

Exterior

Year Built	Built 1875
Effective Year Built	Effective 1875
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	32,670 sqft (0.75 acres)
View / Lot	Waterfront

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	4 ELM ST
City	WOLFEBORO
State	NH
Zip	03894
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BACK B
Legal Block	10
Jurisdiction	WOLFEBORO TOWN NH
Township / Civil Division	WOLFEBORO
Census Block Group	2
Census Block	2013
Census Tract	956101

Owner

4 Elm St is owned by two individuals who bought it in February 2018.

Source: Carroll County and Wolfeboro Town records, as of July 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	44 QUAKER ST, WEARE, NH 03281-4513
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
Nov 7, 2025	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Apr 15, 2022	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Jun 10, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance TD BANK NA
Feb 20, 2018	Warranty Deed, Transfer · Conventional Mortgage TD BK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 20, 2018 · Amount on File
Deed Sale	Feb 20, 2018 · Amount on File
Prior Sale	Jan 5, 2016 · Amount on File
Deed Document Number	20181613
Deed Book / Page	3375 / 674
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WOLFEBORO TOWN NH
Property Address	4 ELM ST, WOLFEBORO, NH 03894
Transaction Type	Mortgage
Record Updated	Nov 26, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003851-1032
Date	Nov 7, 2025
Book Page	3851/1032
Instrument	202500106280

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Dec 1, 2050

Interest

Rate Type	Adjustable Rate

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WOLFEBORO TOWN NH
Property Address	4 ELM ST, WOLFEBORO, NH 03894
Transaction Type	Mortgage
Record Updated	Apr 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003662-0706
Date	Apr 15, 2022
Book Page	3662/706
Instrument	202200044060

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	May 1, 2047

Interest

Rate Type	Adjustable Rate

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WOLFEBORO TOWN NH
Property Address	4 ELM ST, WOLFEBORO, NH 03894
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003596-0666
Date	Jun 10, 2021
Book Page	3596/666
Instrument	2108770

Lender

Name	TD BANK NA
Type	Bank

Agreement

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

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WOLFEBORO TOWN NH
Recording Date	Feb 20, 2018
Property Address	4 ELM ST, WOLFEBORO, NH 03894
Document Number	0033750674
Book / Page	003375 / 000674
Instrument Date	Feb 16, 2018
Instrument	1613
Transaction Type	Transfer
Record Updated	Mar 13, 2018

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	44 QUAKER ST WEARE NH 032814513, WEARE, NH 03281-4513

Mortgage

Document Number	33750678
Date	Feb 20, 2018
Book Page	003375/000678
Instrument	1614

Lender

Name	TD BK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 19, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 4 Elm St was $10,171, down 5.9% from the year before.

Source: Carroll County and Wolfeboro Town assessment roll, as of July 28, 2026

Property Jurisdictions

Type	Name
State	New Hampshire
County	Carroll County
County Subdivision	Wolfeboro Town
Unified School District	Governor Wentworth Regional School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,171.00 (-5.88%)	$1,216,600 (+79.02%) Land $666,000 Building $550,600
2024	$10,806.00	$679,600 Land $370,000 Building $309,600
2023			$747,745
2022	$8,984.00	$679,600 Land $370,000 Building $309,600

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

Flood

FEMA maps place 4 Elm St 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 October 13, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 12 policies
Nearby Flood Policies	12 in force

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 4 Elm St is low, with less than 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 93% of the US · lower than 95% of New Hampshire
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	WOLFEBORO WATER AND SEWER serves 6,000 people · EPA ID NH2561010
Water Source	Surface water
Last State Inspection	Nov 2023
Lead	2 ppb (2020–2022) action level 15 ppb

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

Provider	Max Down / Up (Mbps)
Breezeline Cable · Fiber in parts of the area	1,000 / 50

Cell Coverage

5G (outdoors only) and 4G LTE

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