91 Spruce Ln, Dover, NH 03820 Property Records

Strafford County and Dover City property record for 91 Spruce Ln, Dover, NH 03820

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 912 sqft · built 1960
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on Record
Last Sale	$340,000 (Jul 2022)
Tax Bill	$7,175 (2025)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Oct 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`DOVR M:I0081 B:T L`

Property Details

APN / Parcel Number

Primary APN	`DOVR M:I0081 B:T L`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	912 sqft Living Area
1st Floor Area	912 sqft
Basement Area	912 sqft
Unfinished Basement	912 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	8,712 sqft (0.2 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	91 SPRUCE LN
City	DOVER
State	NH
Zip	03820-4541
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-12
Legal Block	T
Jurisdiction	DOVER CITY NH
Township / Civil Division	DOVER
Census Block Group	1
Census Block	1018
Census Tract	81102

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	91 SPRUCE LN, DOVER, NH 03820-4541
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 19, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage BANK OF NEW HAMPSHIRE
Oct 8, 2020	Deed of Trust, Mortgage · Conventional with PMI HARBORONE MTG LLC
Sep 6, 2019	Deed of Trust, Mortgage HARBORONE MTG LLC
Jun 28, 2018	Deed of Trust, Mortgage HARBORONE MTG LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 19, 2022 · Amount on Record
Deed Sale	Jul 19, 2022 · Amount on Record
Prior Sale	Jun 29, 2018 · Amount on Record
Deed Document Number	202210888
Deed Book / Page	5049 / 1015
Record Updated	Jun 8, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DOVER CITY NH
Recording Date	Jul 19, 2022
Property Address	91 SPRUCE LN, DOVER, NH 03820-4541
Document Number	05049-1015
Book / Page	5049 / 1015
Instrument Date	Jul 18, 2022
Instrument	220010888
Transaction Type	Transfer
Record Updated	Aug 3, 2022

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	8 CHURCH ST # 6, 6, ROCHESTER, NH 03839-5200

Mortgage

Document Number	0220010889
Date	Jul 19, 2022
Instrument	220010889

Lender

Name	BANK OF NEW HAMPSHIRE
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Aug 1, 2037
Max Rate At Change	3.63%
Index	1-Year CMT

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DOVER CITY NH
Property Address	91 SPRUCE LN, DOVER, NH 03820-4541
Document Number	0048180469
Instrument Date	Oct 8, 2020
Transaction Type	Mortgage
Record Updated	Oct 22, 2020
Title Company	SUMMIT TITLE SERVICES LLC, SUMMIT TITLE SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	91 SPRUCE LN DOVER NH 038204541, DOVER, NH 03820-4541

Mortgage

Document Number	0048180469
Date	Oct 14, 2020
Book Page	004818/000469
Instrument	17400

Lender

Name	HARBORONE MTG LLC
Address	MANCHESTER, NH 03101

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 13, 2050

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DOVER CITY NH
Property Address	91 SPRUCE LN, DOVER, NH 03820-4541
Document Number	0046870766
Instrument Date	Sep 6, 2019
Transaction Type	Mortgage
Record Updated	Sep 25, 2019
Title Company	SUMMIT TITLE SERVICES LLC, SUMMIT TITLE SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	91 SPRUCE LN DOVER NH 038204541, DOVER, NH 03820-4541

Mortgage

Document Number	0046870766
Date	Sep 11, 2019
Book Page	004687/000766
Instrument	12311

Lender

Name	HARBORONE MTG LLC
Address	MANCHESTER, NH 03101

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 10, 2049

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DOVER CITY NH
Property Address	91 SPRUCE LN, DOVER, NH 03820-4541
Document Number	0045790679
Instrument Date	Jun 28, 2018
Transaction Type	Mortgage
Record Updated	Jul 10, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	91 SPRUCE LN DOVER NH 038204541, DOVER, NH 03820-4541

Mortgage

Document Number	0045790679
Date	Jun 29, 2018
Book Page	004579/000679
Instrument	8718

Lender

Name	HARBORONE MTG LLC
Address	MANCHESTER, NH 03101

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 28, 2048

Tax Assessment & Valuation

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	$7,175.00 (+8.3%)	$364,600 (-) Land $160,000 Building $204,600
2024	$6,625.00 (+6.98%)	$364,600 (+10.08%) Land $160,000 Building $204,600	$374,585
2023	$6,193.00 (+4.61%)	$331,200 (+10.99%) Land $160,000 Building $171,200
2022	$5,920.00	$298,400 Land $144,000 Building $154,400

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 173 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

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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