In Scottish folklore, a kelpie is a dangerous shape-shifting water creature that can appear on land as a horse. The kelpie appears to their human victims as a grey or white horse, entices them to ride on their back, then carries them down to a watery grave.
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Some believe that the Kelpie is a lake-side dweller, living beside rivers, rather than under the water. Usually described as a powerful, beautiful black horse, ...