45 Spruce Ln, Dover, NH 03820 Property Records

Strafford County and Dover City property record for 45 Spruce Ln, Dover, NH 03820

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,044 sqft · built 1957
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$324,000 (Nov 2021)
Tax Bill	$7,524 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Nov 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`DOVR M:I0027 B:G L`

Property Details

APN / Parcel Number

Primary APN	`DOVR M:I0027 B:G L`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,044 sqft Living Area
1st Floor Area	888 sqft
Basement Area	888 sqft
Unfinished Basement	888 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	8,712 sqft (0.2 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	45 SPRUCE LN
City	DOVER
State	NH
Zip	03820-4419
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-12
Legal Block	G
Jurisdiction	DOVER CITY NH
Township / Civil Division	DOVER
Census Block Group	2
Census Block	2012
Census Tract	81101

Owner

Source: Strafford County and Dover City records, as of July 28, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	45 SPRUCE LN, DOVER, NH 03820-4419
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Nov 7, 2025	Quit Claim Deed, Transfer · Conventional Mortgage HARBORONE MORTGAGE
Nov 22, 2021	Deed, Transfer · Stand-Alone First Mortgage HARBORONE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 22, 2021 · Amount on Record
Deed Sale	Nov 22, 2021 · Amount on Record
Deed Document Number	202123608
Deed Book / Page	4981 / 421
Last Transfer Date	Nov 6, 2025
Transfer Doc	005309-323
Record Updated	Sep 20, 2026

November 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DOVER CITY NH
Recording Date	Nov 7, 2025
Property Address	45 SPRUCE LN, DOVER, NH 03820-4419
Document Number	005309-323
Book / Page	5309 / 323
Instrument Date	Nov 6, 2025
Instrument	250014315
Transaction Type	Transfer
Record Updated	Nov 26, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 SPRUCE LN, DOVER, NH 03820-4419

Mortgage

Document Number	0250014316
Date	Nov 7, 2025
Instrument	250014316

Lender

Name	HARBORONE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

November 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	DOVER CITY NH
Recording Date	Nov 22, 2021
Property Address	45 SPRUCE LN, DOVER, NH 03820-4419
Document Number	4981-421
Book / Page	4981 / 421
Instrument Date	Nov 22, 2021
Instrument	210023608
Transaction Type	Transfer
Record Updated	Dec 8, 2021

Transaction

Amount	Amount Recorded
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	Tenants by the Entirety
Address	66 BACK RIVER RD, DOVER, NH 03820-4404

Mortgage

Document Number	210023609
Date	Nov 22, 2021
Instrument	210023609

Lender

Name	HARBORONE MORTGAGE

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Strafford County and Dover City assessment roll, as of July 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	$7,524.00 (+8.32%)	$382,300 (-) Land $152,000 Building $230,300
2024	$6,946.00 (+7.82%)	$382,300 (+10.97%) Land $152,000 Building $230,300	$387,695
2023	$6,442.00 (+4.61%)	$344,500 (+10.99%) Land $152,000 Building $192,500
2022	$6,158.00	$310,400 Land $136,800 Building $173,600

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 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

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

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

May also be available: Fidium Fiber.

Cell Coverage

5G (outdoors only) and 4G LTE

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