48 Spruce Ln, Dover, NH 03820 Property Records

Strafford County and Dover City property record for 48 Spruce Ln, Dover, NH 03820

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,220 sqft · built 1957
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on File
Last Sale	$480,000 (Sep 2025)
Tax Bill	$7,835 (2025)
Deeds & Mortgages	Sep 2025 Sale & Mortgage Jun 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`DOVR M:I0038 B:D L`

Property Details

APN / Parcel Number

Primary APN	`DOVR M:I0038 B:D L`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,220 sqft Living Area
1st Floor Area	1,220 sqft
Basement Area	1,220 sqft
Unfinished Basement	1,220 sqft

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	7,405 sqft (0.17 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	48 SPRUCE LN
City	DOVER
State	NH
Zip	03820-4422
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-12
Legal Block	D
Jurisdiction	DOVER CITY NH
Township / Civil Division	DOVER
Census Block Group	2
Census Block	2005
Census Tract	81101

Owner

48 Spruce Ln is owned by an individual who bought it in September 2025.

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

Owner of Record	Individual Name on File
Mailing Address	1 MILL ST, UNIIT, DOVER, NH 03820-4560
Owner Type	Individual
Vesting	Individual(s)

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 30, 2025	Warranty Deed, Transfer · Conventional Mortgage LEDYARD NATIONAL BANK
Jun 30, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage EMBRACE HOME LOANS INC
Dec 4, 2017	Deed of Trust, Mortgage · Line of Credit CITIZENS BK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 30, 2025 · Amount on File
Deed Sale	Sep 30, 2025 · Amount on File
Prior Sale	Jun 30, 2023 · Amount on File
Deed Document Number	202512421
Deed Book / Page	5298 / 990
Record Updated	Jun 8, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DOVER CITY NH
Recording Date	Sep 30, 2025
Property Address	48 SPRUCE LN, DOVER, NH 03820-4422
Document Number	005298-990
Book / Page	5298 / 990
Instrument Date	Sep 30, 2025
Instrument	250012421
Transaction Type	Transfer
Record Updated	Nov 25, 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	1 MILL ST # UNIIT, UNIIT, DOVER, NH 03820-4560

Mortgage

Document Number	0250012422
Date	Sep 30, 2025
Instrument	250012422

Lender

Name	LEDYARD NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DOVER CITY NH
Recording Date	Jun 30, 2023
Property Address	48 SPRUCE LN, DOVER, NH 03820-4422
Document Number	005121-615
Book / Page	5121 / 615
Instrument Date	Jun 29, 2023
Instrument	230007591
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	1 WAKEFIELD ST UNIT 306, 306, ROCHESTER, NH 03867-1913

Mortgage

Document Number	0230007592
Date	Jun 30, 2023
Instrument	230007592

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DOVER CITY NH
Property Address	48 SPRUCE LN, DOVER, NH 03820-4422
Document Number	0045380072
Book / Page	004538 / 000072
Instrument Date	Dec 4, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	48 SPRUCE LN DOVER NH 038204422, DOVER, NH 03820-4422
Investor	Possibly a Property Investor

Mortgage

Document Number	0045380072
Date	Dec 26, 2017
Book Page	004538/000072
Instrument	19145

Lender

Name	CITIZENS BK NA
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 48 Spruce Ln was $7,835, 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	$7,835.00 (+8.32%)	$398,100 (-) Land $158,600 Building $239,500
2024	$7,233.00 (+7.78%)	$398,100 (+10.92%) Land $158,600 Building $239,500	$459,135
2023	$6,711.00 (+2.88%)	$358,900 (+9.15%) Land $158,600 Building $200,300
2022	$6,523.00	$328,800 Land $142,700 Building $186,100

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

Flood

FEMA maps place 48 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 48 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	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

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