16 Spruce St, Gorham, NH 03581 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,516 sqft · built 1900
Lot Size	0.207 acres (8,999 sqft)
Owner	2 Individuals on Record
Last Sale	$180,000 (Feb 2020)
Tax Bill	$6,470 (2025)
Deeds & Mortgages	Dec 2024 Mortgage Feb 2020 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`GORH M:U8 L:69`

Property Details

APN / Parcel Number

Primary APN	`GORH M:U8 L:69`
Alternative APN	`879`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,516 sqft Living Area
Gross Area	3,004 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1930
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,999 sqft (0.207 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	879
Street Address	16 SPRUCE ST
City	GORHAM
State	NH
Zip	03581-1127
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Lot Number	69
Jurisdiction	GORHAM TOWN NH
Township / Civil Division	GORHAM
Census Block Group	4
Census Block	4021
Census Tract	950900

Owner

Source: Coos County and Gorham Town assessment roll, 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 Individuals on Record
Mailing Address	16 SPRUCE ST, GORHAM, NH 03581-1127
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 26, 2024	Deed of Trust, Mortgage · Second Mortgage (Down Payment) NORTHWAY BANK
Feb 27, 2020	Deed of Trust, Mortgage NORTHWAY BK
Jun 6, 2019	Warranty Deed, Transfer · Line of Credit NORWAY SVGS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 28, 2020 · Amount on Record
Deed Sale	Feb 28, 2020 · Amount on Record
Prior Sale	Oct 10, 2007 · Amount on Record
Deed Document Number	2020824
Deed Book / Page	1530 / 814
Record Updated	Sep 20, 2026

December 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GORHAM TOWN NH
Property Address	16 SPRUCE ST, GORHAM, NH 03581-1127
Transaction Type	Mortgage
Record Updated	Jan 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001667-939
Date	Dec 26, 2024
Book Page	1667/939
Instrument	2405290

Lender

Name	NORTHWAY BANK
Type	Bank

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	109 Months
Due	Jan 1, 2034

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GORHAM TOWN NH
Property Address	16 SPRUCE ST, GORHAM, NH 03581-1127
Document Number	0015300816
Instrument Date	Feb 27, 2020
Transaction Type	Mortgage
Record Updated	Mar 11, 2020
Title Company	SUMMIT TITLE SERVICES LLC, SUMMIT TITLE SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	16 SPRUCE ST GORHAM NH 035811127, GORHAM, NH 03581-1127

Mortgage

Document Number	0015300816
Date	Feb 28, 2020
Book Page	001530/000816
Instrument	2000825

Lender

Name	NORTHWAY BK
Type	Bank
Address	BERLIN, NH 03570

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Feb 27, 2050

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GORHAM TOWN NH
Recording Date	Jun 6, 2019
Property Address	16 SPRUCE ST, GORHAM, NH 03581-1127
Document Number	0015120606
Book / Page	001512 / 000606
Instrument Date	Jun 6, 2019
Instrument	1902076
Transaction Type	Transfer
Record Updated	Jul 17, 2019
Title Company	ALPINE TITLE SERVICES INC, ALPINE TITLE SVCS INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$825.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	809 STATE ROUTE 2 SHELBURNE NH 035813110, SHELBURNE, NH 03581-3110

Mortgage

Document Number	15120608
Date	Jun 6, 2019
Book Page	001512/000608
Instrument	1902077

Lender

Name	NORWAY SVGS BK
Type	Federal Savings Bank
Address	NORWAY, ME 04268

Agreement

Type	Line of Credit
Amount	Amount Recorded

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	$6,470.00 (-7.56%)	$275,920 (+11.53%) Land $41,900 Building $234,020
2024	$6,999.00 (+16.67%)	$247,400 (-) Land $23,900 Building $223,500
2023			$211,565
2022	$5,999.00	$247,400 Land $23,900 Building $223,500

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 February 20, 2013 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	13 (1984–2023)
Claims Outside the SFHA	2 of 13
Most Recent Claim	Dec 2023 · Severe Storm And Flooding
Claims by Event	Severe Storm And Flooding, Dec 2023 · 3 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
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	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 132 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Fidium Fiber Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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