372 Owl St · Campton, NH 03223

$749,000

3 bd · 2.0 ba · 2,983 sqft · SingleFamily public records · 121 Days on market

Built 1942 3.07 ac lot Est $1477k · 49% under

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Why this score? — see what drove the D- grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• ARV discount +15.0/15.0
• Appreciation +10.0/10.0
• Schools +5.0/10.0
• Rent growth +2.5/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Cash flow +0.1/30.0
• 1% rule +0.0/10.0
• DSCR +0.0/10.0

Listing remarks MLS

Looking for a home with a large garage or work shop? 372 Owl Street is the perfect property. 32x48 garage with second floor potential office. Colonial style home circa 1942 has 2 bedrooms 2 bathrooms home with glorious sunroom, enclosed front porch, deck off the unfinished bonus room, chefs kitchen complete with double oven, Viking 6 burner stove top, double dishwashers with hardwood cabinets and tiled floors. First floor bedroom with full bath near by. Second floor master with large tub and shower. Finish the bonus room as a bedroom or office and use the upper deck to enjoy the great outdoors. Large town lot, close to Owls Nest Mountain Course, Loon and Waterville ski areas, lakes, rivers, hiking, kayaking, biking or snow mobile trails nearby. Use your super sized garage to work on collectable cars or use as an amazing work shop.

Key facts

• Sunroom
• Deck
• Double oven

Tags

• SUNROOM
• ENCLOSED FRONT PORCH
• DECK
• CHEF'S KITCHEN
• DOUBLE OVEN
• VIKING 6 BURNER STOVE TOP

Property features AI

Finance

• Other: Documents available: Deed, Lease Agreements, Property Disclosure

Exterior

• Parking: Attached garage with capacity for 4 vehicles
• Utilities: Public water; Septic system; Circuit breaker electrical service; Satellite internet available; Cable available
• Home design: Colonial style; Tan exterior; Shingle roof; Existing construction; Built in 1942
• Construction: Wood frame construction; Vinyl exterior; Shingle roof; Built in 1942
• Exterior features: Level lot; In-town location; Near country club and golf course; Near shopping, skiing, and snowmobile trails; Neighborhood setting; Near hospital; Circular driveway

Interior

• Kitchen: Eat-in kitchen; Gas cooktop; Wall oven; Refrigerator; Vented exhaust fan
• Bedrooms: Bedroom on second level; Bedroom with bath on second level
• Flooring: Carpet; Laminate; Tile
• Bathrooms: One full bathroom; One 3/4 bathroom
• Heating & cooling: Propane heat; Monitor-type heating
• Interior features: 8 total rooms; Unfinished basement with interior access; Breezeway; Sunroom; Bonus room
• Laundry & utility: Washer; Dryer; Water heater

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $749k.

Deal economics

• At list price, monthly cash flow is $-3k ($-41k/yr) — negative.
• To cash-flow at today's rent, offer at most $148k (80.2% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $183k (75.6% below list).
• Recommended offer: $148k (80.2% below list) — sets the bar for cash-flow.

Location & tenants

• Location reads: area grade D — affects rentability + tenant quality, not the cash-flow math above.
• Pemi-Baker Regional School District (rural): math 45% / reading 70% proficiency, ranked #77 of 171 in NH (top 45%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: 69 active listings in the ZIP; 487 units permitted in Grafton County in 2024 (127 in 5+ unit buildings).

Forward outlook

• In year one you build about $80k of equity ($5k loan paydown + $75k appreciation (10.0% local appreciation)).
• Grafton County population projected at -13% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• By year 2, paydown + projected appreciation supports a ~$129k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 121 days — a 12% lower offer ($659k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 5y ago; this cycle's ask has dropped $50k (6%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $269k; list at $749k implies a 178% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1942 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $148,242 (80.2% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 121 days. Have you received any prior offers? Is the seller open to a 80% concession, seller financing, or rate buy-down credit?
3. Built in 1942 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
7. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
8. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
9. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 0.24% ✗
• Cap rate: 0.84%
• Cash-on-cash: -19.46%
• DSCR: 0.13
• GRM: 34.1

CMA / ARV

• ARV (on-the-fly): $1,476,585
• Comps found: 1

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
19 Braeden Dr #7	0.54mi	4/3.5 (+1)	2,631 (-12%)	11mo	$1,301,908	$495	35

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

10.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 10.9%
• Equity multiple: 1.91×
• Total profit: $191,155
• Equity at exit: $674,759

10-year hold

• IRR: 11.9%
• Equity multiple: 4.49×
• Total profit: $732,901
• Equity at exit: $1,455,142

Cash invested: $209,720 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 56 Moderately Landlord-Leaning
• State New Hampshire: 56 Moderately Landlord-Leaning · D+1
• County: — inherits STATE
• City: — inherits STATE

Has just-cause statute; 30-day notice; landlord-leaning vs. neighbors.

Methodology + full state rankings →

ZIP-level market 03223

• Home prices YoY: 20.4%
• Active inventory: 69
• Price-to-rent: 34.1×

Monthly cashflow live

• Estimated rent: $1,830 medium
• Mortgage (P&I): −$3,928
• Tax from tax record: −$607 /mo · $7,282/yr
• Insurance: −$312
• HOA: −$0
• Vacancy / Maint / Mgmt: −$384
• Net cashflow: $-3,401

Break-even live

Break-even rent $6,135

Max offer price $148,242

Occupancy floor —

Sensitivity live

Price	-10% $-2,977	-5% $-3,189	+0% $-3,401	+5% $-3,613	+10% $-3,825
Rent	-10% $-3,545	-5% $-3,473	+0% $-3,401	+5% $-3,328	+10% $-3,256
Rate	-1.0pp $-3,024	-0.5pp $-3,210	base $-3,401	+0.5pp $-3,595	+1.0pp $-3,792

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $187,250
• Closing costs: $22,470
• Reserves months: —
• Total cash needed: —

Listing history 24 events

1. 2026-06-21
   days on market $749,000 Active 121 DOM
2. 2026-06-18
   days on market $749,000 Active 119 DOM
3. 2026-06-17
   days on market $749,000 Active 118 DOM
4. 2026-06-16
   days on market $749,000 Active 117 DOM
5. 2026-06-15
   days on market $749,000 Active 116 DOM
6. 2026-06-13
   days on market $749,000 Active 114 DOM
7. 2026-06-12
   days on market $749,000 Active 113 DOM
8. 2026-06-09
   days on market $749,000 Active 110 DOM
9. 2026-06-08
   days on market $749,000 Active 109 DOM
10. 2026-06-07
    days on market $749,000 Active 108 DOM
11. 2026-06-07
    days on market $749,000 Active 107 DOM
12. 2026-06-04
    days on market $749,000 Active 104 DOM
13. 2026-06-02
    pricedays on market $749,000 Active 103 DOM
14. 2026-06-01
    days on market $799,000 Active 102 DOM
15. 2026-05-31
    days on market $799,000 Active 101 DOM
16. 2026-02-19
    listed $799,000 Active
17. 2021-11-17
    soldstatus $269,000 Closed 842-char remark

    Show marketing remark (842 chars)

    Looking for a home with a large garage or work shop? 372 Owl Street is the perfect property. 32x48 garage with second floor potential office. Colonial style home circa 1942 has 2 bedrooms 2 bathrooms home with glorious sunroom, enclosed front porch, deck off the unfinished bonus room, chefs kitchen complete with double oven, Viking 6 burner stove top, double dishwashers with hardwood cabinets and tiled floors. First floor bedroom with full bath near by. Second floor master with large tub and shower. Finish the bonus room as a bedroom or office and use the upper deck to enjoy the great outdoors. Large town lot, close to Owls Nest Mountain Course, Loon and Waterville ski areas, lakes, rivers, hiking, kayaking, biking or snow mobile trails nearby. Use your super sized garage to work on collectable cars or use as an amazing work shop.

18. 2021-09-13
    historical Active with Contract 842-char remark

    Show marketing remark (842 chars)

    Looking for a home with a large garage or work shop? 372 Owl Street is the perfect property. 32x48 garage with second floor potential office. Colonial style home circa 1942 has 2 bedrooms 2 bathrooms home with glorious sunroom, enclosed front porch, deck off the unfinished bonus room, chefs kitchen complete with double oven, Viking 6 burner stove top, double dishwashers with hardwood cabinets and tiled floors. First floor bedroom with full bath near by. Second floor master with large tub and shower. Finish the bonus room as a bedroom or office and use the upper deck to enjoy the great outdoors. Large town lot, close to Owls Nest Mountain Course, Loon and Waterville ski areas, lakes, rivers, hiking, kayaking, biking or snow mobile trails nearby. Use your super sized garage to work on collectable cars or use as an amazing work shop.

19. 2021-09-04
    status Active 842-char remark

    Show marketing remark (842 chars)

    Looking for a home with a large garage or work shop? 372 Owl Street is the perfect property. 32x48 garage with second floor potential office. Colonial style home circa 1942 has 2 bedrooms 2 bathrooms home with glorious sunroom, enclosed front porch, deck off the unfinished bonus room, chefs kitchen complete with double oven, Viking 6 burner stove top, double dishwashers with hardwood cabinets and tiled floors. First floor bedroom with full bath near by. Second floor master with large tub and shower. Finish the bonus room as a bedroom or office and use the upper deck to enjoy the great outdoors. Large town lot, close to Owls Nest Mountain Course, Loon and Waterville ski areas, lakes, rivers, hiking, kayaking, biking or snow mobile trails nearby. Use your super sized garage to work on collectable cars or use as an amazing work shop.

20. 2021-08-31
    historical Active with Contract 842-char remark

    Show marketing remark (842 chars)

    Looking for a home with a large garage or work shop? 372 Owl Street is the perfect property. 32x48 garage with second floor potential office. Colonial style home circa 1942 has 2 bedrooms 2 bathrooms home with glorious sunroom, enclosed front porch, deck off the unfinished bonus room, chefs kitchen complete with double oven, Viking 6 burner stove top, double dishwashers with hardwood cabinets and tiled floors. First floor bedroom with full bath near by. Second floor master with large tub and shower. Finish the bonus room as a bedroom or office and use the upper deck to enjoy the great outdoors. Large town lot, close to Owls Nest Mountain Course, Loon and Waterville ski areas, lakes, rivers, hiking, kayaking, biking or snow mobile trails nearby. Use your super sized garage to work on collectable cars or use as an amazing work shop.

21. 2021-08-17
    price $279,000 842-char remark

    Show marketing remark (842 chars)

    Looking for a home with a large garage or work shop? 372 Owl Street is the perfect property. 32x48 garage with second floor potential office. Colonial style home circa 1942 has 2 bedrooms 2 bathrooms home with glorious sunroom, enclosed front porch, deck off the unfinished bonus room, chefs kitchen complete with double oven, Viking 6 burner stove top, double dishwashers with hardwood cabinets and tiled floors. First floor bedroom with full bath near by. Second floor master with large tub and shower. Finish the bonus room as a bedroom or office and use the upper deck to enjoy the great outdoors. Large town lot, close to Owls Nest Mountain Course, Loon and Waterville ski areas, lakes, rivers, hiking, kayaking, biking or snow mobile trails nearby. Use your super sized garage to work on collectable cars or use as an amazing work shop.

22. 2021-08-10
    soldstatus $207,000
23. 2021-07-08
    price $289,000 842-char remark

    Show marketing remark (842 chars)

    Looking for a home with a large garage or work shop? 372 Owl Street is the perfect property. 32x48 garage with second floor potential office. Colonial style home circa 1942 has 2 bedrooms 2 bathrooms home with glorious sunroom, enclosed front porch, deck off the unfinished bonus room, chefs kitchen complete with double oven, Viking 6 burner stove top, double dishwashers with hardwood cabinets and tiled floors. First floor bedroom with full bath near by. Second floor master with large tub and shower. Finish the bonus room as a bedroom or office and use the upper deck to enjoy the great outdoors. Large town lot, close to Owls Nest Mountain Course, Loon and Waterville ski areas, lakes, rivers, hiking, kayaking, biking or snow mobile trails nearby. Use your super sized garage to work on collectable cars or use as an amazing work shop.

24. 2021-05-24
    listed $299,900 Active 842-char remark

    Show marketing remark (842 chars)

    Looking for a home with a large garage or work shop? 372 Owl Street is the perfect property. 32x48 garage with second floor potential office. Colonial style home circa 1942 has 2 bedrooms 2 bathrooms home with glorious sunroom, enclosed front porch, deck off the unfinished bonus room, chefs kitchen complete with double oven, Viking 6 burner stove top, double dishwashers with hardwood cabinets and tiled floors. First floor bedroom with full bath near by. Second floor master with large tub and shower. Finish the bonus room as a bedroom or office and use the upper deck to enjoy the great outdoors. Large town lot, close to Owls Nest Mountain Course, Loon and Waterville ski areas, lakes, rivers, hiking, kayaking, biking or snow mobile trails nearby. Use your super sized garage to work on collectable cars or use as an amazing work shop.

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast NH · Partial reset (capped growth)

• Current annual tax: $7,282 · $607/mo
• Projected year-2 tax: $11,805 · $984/mo
• Expected delta: +$4,523/yr (+$377/mo · 62.1%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 3/10 Moderate 7 d/yr ≥89°F today · 16 d/yr by 30 yrs out
• 💨 Wind 3/10 Moderate 6% chance of damaging wind over 30 yrs
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $21,965
• − Mortgage interest: −$41,956
• − Property taxes: −$7,282
• − Insurance: −$3,745
• − Repairs & maintenance: −$1,757
• − Management: −$1,757
• − Depreciation: −$21,789
• Taxable loss: −$56,322
• Est. tax savings @ 24.0%: +$13,517
• After-tax cash flow: $-27,292/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

• District: Pemi-Baker Regional School District
• NCES district ID: 3399965
• Math proficiency: 45% ▲ 10.00%
• Reading proficiency: 70% ▲ 15.00%
• Median HH income: $42,275
• Composite: 49.93/100
• National rank: #4161
• State rank: #77 of 171 in NH

Livability — Campton

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

• Population (ZIP): 3,398

Population outlook (Grafton County) Hauer SSP2

• Today (2025): 88,798 people
• By 2030: 87,131 · -1.9%
• By 2040: 82,000 · -7.7%
• By 2050: 77,064 · -13.2%
• By 2075: 68,769 · -22.6%
• By 2100: 61,631 · -30.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (92%)
• Race & ethnicity: White 92% Black 6%
• Common ancestry: Lithuanian 14% Slovak 10% Romanian 10%
• Foreign-born: 8% · Canada
• Languages at home: 93% English-only · French/Haitian/Cajun 7%

Political lean MEDSL · Grafton

• 2024 margin: D (+19.9) · D 59.4% · R 39.4% · Other 1.2%
• 2008→2024 swing: -7.8pp toward R · 2008: 27.7pp · 2024: 19.9pp
• All cycles: 2024: D+19.9 2020: D+24.6 2016: D+19.0 2012: D+23.8 2008: D+27.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 77.21%
• Current HPI: 455.3118
• Rent YoY: —
• Metro: —
• State GDP YoY: —
• F500 in state: 0

Price history

+166.4% since first listed

9 events — show timeline

• 2026-02-19 Listed $799,000 PrimeMLS
• 2021-11-17 Sold (MLS) $269,000 PrimeMLS
• 2021-09-13 Contingent — PrimeMLS
• 2021-09-04 Relisted — PrimeMLS
• 2021-08-31 Contingent — PrimeMLS
• 2021-08-17 Price Changed $279,000 PrimeMLS
• 2021-08-10 Sold (Public Records) $207,000 Public Records
• 2021-07-08 Price Changed $289,000 PrimeMLS
• 2021-05-24 Listed $299,900 PrimeMLS

Property tax history

+5.0%/yr

Latest (2024): $7,282 · +3.7% YoY. Source: county tax records.