323 Spruce St, Manchester, NH 03103 Property Records

Hillsborough County and Manchester City property record for 323 Spruce St, Manchester, NH 03103

Property Summary

Property Type	Apartments (5+ Units)
Details	7 bd · 4 ba · 4,494 sqft · built 1890
Lot Size	0.115 acres (5,000 sqft)
Owner	Individual Name on File
Last Sale	$810,000 (Sep 2026)
Tax Bill	$9,216 (2024)
Deeds & Mortgages	Sep 2026 Mortgage Sep 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`4297748`

Property Details

APN / Parcel Number

Primary APN	`4297748`
Alternative APN	`MNCH M:0065 B:000 L:0030`

Interior

Bedrooms	7 Beds
Full Baths	4 Baths
Total Rooms	18 Rooms
Units	4 Units
Stories	3 Stories
Building Area	4,494 sqft Living Area
Gross Area	6,481 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Exterior Material	Aluminum/Vinyl
Roof Type	Flat
Roof Material	Rolled Roofing
Lot Area	5,000 sqft (0.115 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	4297748
Street Address	323 SPRUCE ST
City	MANCHESTER
State	NH
Zip	03103-4872
Property Category	Residential
Property Type	Residential > Multi-Unit > Apartments (5+ Units)
Legal Lot Number	30
Jurisdiction	MANCHESTER CITY NH
Township / Civil Division	MANCHESTER
Census Block Group	5
Census Block	5008
Census Tract	1600

Owner

323 Spruce St, a residential property, is owned by an individual who bought it in September 2026.

Source: Hillsborough County and Manchester City records, as of October 7, 2026

Owner of Record	Individual Name on File
Mailing Address	84 BENTLEY WAY, MANCHESTER, NH 03102-5533
Owner Type	Individual
Vesting	Single Woman

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
Sep 15, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Sep 15, 2026	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Jul 1, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage NHFA
Apr 30, 2020	Warranty Deed, Construction Loan · Construction Mortgage OTHER INSTITUTIONAL LENDERS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 15, 2026 · Amount on File
Deed Sale	Sep 15, 2026 · Amount on File
Prior Sale	Jul 1, 2022 · Amount on File
Deed Document Number	202636534
Deed Book / Page	9987 / 2229
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANCHESTER CITY NH
Recording Date	Sep 15, 2026
Property Address	323 SPRUCE ST, MANCHESTER, NH 03103-4872
Document Number	0000036535
Book / Page	9987 / 2231
Instrument Date	Sep 15, 2026
Instrument	202636535
Transaction Type	Mortgage
Record Updated	Oct 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	323 SPRUCE ST, MANCHESTER, NH 03103-4872

Mortgage

Document Number	0000036535,
Date	Sep 15, 2026
Book Page	9987/2231
Instrument	202636535

Lender

Name	ROCKET MORTGAGE LLC

Agreement

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

Interest

Max Rate	-1%

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MANCHESTER CITY NH
Recording Date	Sep 15, 2026
Property Address	323 SPRUCE ST, MANCHESTER, NH 03103-4872
Document Number	0000036534
Book / Page	9987 / 2229
Instrument Date	Sep 15, 2026
Instrument	202636534
Transaction Type	Transfer
Record Updated	Oct 6, 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
Address	84 BENTLEY WAY, MANCHESTER, NH 03102-5533

Mortgage

Date	Sep 15, 2026

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Max Rate	-1%

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MANCHESTER CITY NH
Recording Date	Jul 1, 2022
Property Address	323 SPRUCE ST, MANCHESTER, NH 03103-4872
Document Number	009631-762
Book / Page	9631 / 762
Instrument Date	Jun 30, 2022
Instrument	220031702
Transaction Type	Transfer
Record Updated	Jul 13, 2022

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	65 S HALL ST, MANCHESTER, NH 03103-4638

Mortgage

Document Number	0220031703
Date	Jul 1, 2022
Instrument	220031703

Lender

Name	NHFA

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

April 2020: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	MANCHESTER CITY NH
Recording Date	Apr 30, 2020
Property Address	323 SPRUCE ST, MANCHESTER, NH 03103-4872
Document Number	0092880876
Book / Page	009288 / 000876
Instrument Date	Apr 30, 2020
Instrument	200020468
Transaction Type	Construction Loan
Record Updated	Jun 18, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transaction

Amount	Amount on Record
Tax	$1,500.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	PO BOX 5365 MANCHESTER NH 031085365, MANCHESTER, NH 03108-5365

Mortgage

Document Number	92880878
Date	Apr 30, 2020
Book Page	009288/000878
Instrument	200020469

Lender

Name	OTHER INSTITUTIONAL LENDERS
Type	Bank
Address	PALM BEACH GARDENS, FL 33410

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Apr 29, 2021

Tax Assessment & Valuation

Source: Hillsborough County and Manchester City assessment roll, as of July 28, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2024	$9,216.00 (+3.82%)	$470,700 (-) Land $78,000 Building $392,700
2023	$8,877.00 (+3.39%)	$470,700 (-) Land $78,000 Building $392,700
2022	$8,586.00	$470,700 Land $78,000 Building $392,700

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

Flood

FEMA maps place 323 Spruce St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 9, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

The area around 323 Spruce St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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	MANCHESTER WATER WORKS serves 123,500 people · EPA ID NH1471010
Water Source	Surface water
Last State Inspection	Aug 2025
Lead	Under 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 786 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Fidium Fiber Fiber · DSL in parts of the area	2,000 / 2,000
Verizon Fixed Wireless	1,000 / 75

May also be available: T-Mobile.

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