38 Cedar St, Laconia, NH 03246 Property Records

Belknap County and Laconia City property record for 38 Cedar St, Laconia, NH 03246

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,612 sqft · built 1950
Lot Size	0.195 acres (8,505 sqft)
Owner	Individual on Record
Last Sale	$199,933 (Dec 2018)
Tax Bill	$4,361 (2025)
Deeds & Mortgages	Jan 2020 Mortgage Dec 2018 Sale & Mortgage
APN	`LACO M:427 B:36 L:52`

Property Details

APN / Parcel Number

Primary APN	`LACO M:427 B:36 L:52`
Alternative APN	`79`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,612 sqft Living Area
Gross Area	2,839 sqft
1st Floor Area	837 sqft
Basement Area	837 sqft
Unfinished Basement	837 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,505 sqft (0.195 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	79
Street Address	38 CEDAR ST
City	LACONIA
State	NH
Zip	03246-3202
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Block	36
Legal Lot Number	52
Jurisdiction	LACONIA CITY NH
Township / Civil Division	LACONIA
Census Block Group	4
Census Block	4003
Census Tract	965900

Owner

Source: Belknap County and Laconia City assessment roll, as of April 30, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual on Record
Mailing Address	38 CEDAR ST, LACONIA, NH 03246-3202
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 3, 2020	Deed of Trust, Mortgage · VA Mortgage USAA
Dec 17, 2018	Warranty Deed, Transfer · VA Mortgage USAA FED'L SVGS BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 17, 2018 · Amount on Record
Deed Sale	Dec 17, 2018 · Amount on Record
Prior Sale	Feb 28, 1986 · Amount on Record
Deed Document Number	201813461
Deed Book / Page	3213 / 846
Record Updated	Jun 8, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LACONIA CITY NH
Property Address	38 CEDAR ST, LACONIA, NH 03246-3202
Document Number	0032900287
Instrument Date	Jan 3, 2020
Transaction Type	Mortgage
Record Updated	Jan 29, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	38 CEDAR ST LACONIA NH 032463202, LACONIA, NH 03246-3202

Mortgage

Document Number	0032900287
Date	Jan 13, 2020
Book Page	003290/000287
Instrument	476

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jan 12, 2030

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LACONIA CITY NH
Recording Date	Dec 17, 2018
Property Address	38 CEDAR ST, LACONIA, NH 03246-3202
Document Number	0032130846
Book / Page	003213 / 000846
Instrument Date	Dec 17, 2018
Instrument	13461
Transaction Type	Transfer
Record Updated	Dec 28, 2018

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,999.00
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	222 HILLARD RD HOLDERNESS NH 03245, HOLDERNESS, NH 03245

Mortgage

Document Number	32130848
Date	Dec 17, 2018
Book Page	003213/000848
Instrument	13462

Lender

Name	USAA FED'L SVGS BK
Address	SAN ANTONIO, TX 78288

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 16, 2033

Tax Assessment & Valuation

Source: Belknap County and Laconia City assessment roll, as of April 30, 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	$4,361.00 (+10.04%)	$336,000 (+17.94%) Land $116,400 Building $219,600
2023	$3,963.00 (+9.51%)	$284,900 (+16.91%) Land $98,600 Building $186,300
2022	$3,619.00	$243,700 Land $83,700 Building $160,000

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

Flood

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

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 302 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Breezeline Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
Fidium Fiber DSL	100 / 40
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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