21 Spruce Ln, Dover, NH 03820 Property Records

Strafford County and Dover City property record for 21 Spruce Ln, Dover, NH 03820

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,248 sqft · built 1996
Lot Size	0.94 acres (40,946 sqft)
Owner	2 Individual Names on File
Last Sale	$629,000 (Apr 2026)
Tax Bill	$10,942 (2025)
Deeds & Mortgages	May 2021 Line of Credit Apr 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`DOVR M:I0029 B:C L`

Property Details

APN / Parcel Number

Primary APN	`DOVR M:I0029 B:C L`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,248 sqft Living Area
1st Floor Area	1,248 sqft
Basement Area	1,248 sqft
Unfinished Basement	1,248 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	40,946 sqft (0.94 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	21 SPRUCE LN
City	DOVER
State	NH
Zip	03820-4409
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-40
Legal Block	C
Jurisdiction	DOVER CITY NH
Township / Civil Division	DOVER
Census Block Group	2
Census Block	2006
Census Tract	81101

Owner

21 Spruce Ln is owned by two individuals who bought it in April 2026.

Source: Strafford County and Dover City records, as of May 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	13 ELMVIEW CIR, DOVER, NH 03820-4110
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

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
May 4, 2021	Deed of Trust, Mortgage · Line of Credit SERVICE CU
Apr 23, 2026	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 18, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 23, 2026 · Amount on File
Deed Sale	Apr 23, 2026 · Amount on File
Prior Sale	Jul 29, 2020 · Amount on File
Deed Document Number	20265123
Deed Book / Page	5348 / 913
Record Updated	Sep 20, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DOVER CITY NH
Property Address	21 SPRUCE LN, DOVER, NH 03820-4409
Transaction Type	Mortgage
Record Updated	May 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004902-14
Date	May 4, 2021
Book Page	4902/14
Instrument	210008957

Lender

Name	SERVICE CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Jun 1, 2046

Interest

Rate Type	Adjustable Rate

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DOVER CITY NH
Recording Date	Apr 23, 2026
Property Address	21 SPRUCE LN, DOVER, NH 03820-4409
Document Number	005348-913
Book / Page	5348 / 913
Instrument Date	Apr 21, 2026
Instrument	20265123
Transaction Type	Transfer
Record Updated	Jul 28, 2026

Transaction

Amount	Amount on Record
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 with Right of Survivorship
Address	13 ELMVIEW CIR, DOVER, NH 03820-4110

Mortgage

Date	Apr 23, 2026

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.11%
Max Rate	-1%

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DOVER CITY NH
Recording Date	May 18, 2018
Property Address	21 SPRUCE LN, DOVER, NH 03820-4409
Document Number	0045680917
Book / Page	004568 / 000917
Instrument Date	May 17, 2018
Instrument	6303
Transaction Type	Transfer
Record Updated	May 31, 2018

Transaction

Amount	Amount on Record
Tax	$4,650.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	27 TIMBER LN LEBANON NH 037662321, LEBANON, NH 03766-2321

Tax Assessment & Valuation

The 2025 property tax bill for 21 Spruce Ln was $10,942, up 8.3% from the year before.

Source: Strafford County and Dover City assessment roll, as of April 28, 2026

Property Jurisdictions

Type	Name
State	New Hampshire
County	Strafford County
Municipality	Dover City
Unified School District	Dover School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,942.00 (+8.3%)	$556,000 (-) Land $197,000 Building $359,000
2024	$10,103.00 (+5.5%)	$556,000 (+8.57%) Land $197,000 Building $359,000	$446,975
2023	$9,576.00 (+3.91%)	$512,100 (+10.25%) Land $197,000 Building $315,100
2022	$9,216.00	$464,500 Land $177,300 Building $287,200

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

Flood

FEMA maps place 21 Spruce Ln in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective April 26, 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	1 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 21 Spruce Ln is low, with 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 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	DOVER WATER DEPT serves 29,000 people · EPA ID NH0651010
Water Source	Groundwater
Last State Inspection	Oct 2025
Lead	1 ppb (2024) 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 212 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Breezeline.

Nearby Properties on Spruce Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures