27 Spruce St, Laconia, NH 03246 Property Records

Belknap County and Laconia City property record for 27 Spruce St, Laconia, NH 03246

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 816 sqft · built 1985
Lot Size	0.223 acres (9,713 sqft)
Owner	Individual Name on File
Last Sale	$231,000 (Dec 2021)
Tax Bill	$3,498 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Dec 2021 Sale & Mortgage
APN	`LACO M:457 B:205 L:42`

Property Details

APN / Parcel Number

Primary APN	`LACO M:457 B:205 L:42`
Alternative APN	`7001`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	816 sqft Living Area
Gross Area	1,636 sqft
1st Floor Area	816 sqft
Basement Area	748 sqft
Unfinished Basement	484 sqft

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Raised Ranch
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,713 sqft (0.223 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	7001
Street Address	27 SPRUCE ST
City	LACONIA
State	NH
Zip	03246-3844
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Block	205
Legal Lot Number	42
Jurisdiction	LACONIA CITY NH
Township / Civil Division	LACONIA
Census Block Group	4
Census Block	4011
Census Tract	965900

Owner

27 Spruce St is owned by an individual who bought it in December 2021.

Source: Belknap County and Laconia City records, as of August 19, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	85 MANCHESTER ST, 63, CONCORD, NH 03301-5166
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 31, 2026	Deed of Trust, Mortgage ROCKET MORTGAGE LLC
Dec 22, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 22, 2021 · Amount on File
Deed Sale	Dec 22, 2021 · Amount on File
Deed Document Number	20212119013
Deed Book / Page	3476 / 621
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LACONIA CITY NH
Recording Date	Jul 31, 2026
Property Address	27 SPRUCE ST, LACONIA, NH 03246-3844
Document Number	0000007329
Book / Page	3764 / 158
Instrument Date	Jul 27, 2026
Instrument	20267329
Transaction Type	Mortgage
Record Updated	Aug 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	27 SPRUCE ST, LACONIA, NH 03246-3844

Mortgage

Document Number	0000007329,
Date	Jul 31, 2026
Book Page	3764/158
Instrument	20267329

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	6.49%
Max Rate	-1%

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LACONIA CITY NH
Recording Date	Dec 22, 2021
Property Address	27 SPRUCE ST, LACONIA, NH 03246-3844
Document Number	003476-621
Book / Page	3476 / 621
Instrument Date	Dec 21, 2021
Instrument	2119013
Transaction Type	Transfer
Record Updated	Nov 20, 2025

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
Address	85 MANCHESTER ST APT 63, 63, CONCORD, NH 03301-5166

Mortgage

Document Number	0002119014
Date	Dec 22, 2021
Instrument	2119014

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 27 Spruce St was $3,498, up 3.5% from the year before.

Source: Belknap County and Laconia City assessment roll, as of July 28, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$3,498.00 (+3.49%)	$269,500 (+8.67%) Land $121,800 Building $147,700
2024	$3,380.00 (+4.77%)	$248,000 (+6.94%) Land $112,700 Building $135,300
2023	$3,226.00 (+9.5%)	$231,900 (+16.89%) Land $103,200 Building $128,700
2022	$2,946.00	$198,400 Land $87,600 Building $110,800

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA has no flood map on file for 27 Spruce St.

Source: FEMA National Flood Hazard Layer

FEMA Flood Zone	Not on file

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 27 Spruce St 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	None beyond ember reach

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	LACONIA WATER WORKS serves 17,125 people · EPA ID NH1281010
Water Source	Surface water
Last State Inspection	Jun 2025
Lead	4 ppb (2021–2023) 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 543 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Breezeline Fiber · Cable in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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