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98 Water Street, Laconia, NH, 03246 | $695,000
Timeless elegance meets modern luxury in this fully reimagined antique waterfront home. Expertly renovated by a high-end builder, it lives like new construction while preserving the irreplaceable character of its historic roots. Every detail has been thoughtfully curated; nothing overlooked. Offering 3 bedrooms and 2. 5 baths with true one-level living, the home blends historic charm with modern convenience. Original antique beams and wide-plank floors anchor the space, while all major systems have been completely updated for efficiency and peace of mind, including forced hot air, central air conditioning, and a gas stove for warmth and ambiance. Meticulous craftsmanship honors the home’s heritage while delivering the comfort today’s buyers expect. The walk-out lower level provides excellent storage and workshop space with direct access to the tranquil backyard and waterfront. Set along the shores of the Winnipesaukee River with direct access to Lake Winnisquam, the property features a year-round dock and an exceptional lifestyle in the heart of the Lakes Region. Kayak, paddleboard, fish, or boat from your backyard. Enjoy direct access to the WOW Trail and snowmobile trail for four-season recreation. Across the river, a protected conservation bird sanctuary ensures privacy and uninterrupted views. Just a short stroll to downtown Laconia’s restaurants, shops, and theaters. A rare opportunity to own a piece of history; rebuilt for the way you live today.
Features
- Rooms: 9
- Bedrooms: 3
- Baths: 2 full / 1 half
- Style: Cape
- Year Built: 1780
- Heating: Natural Gas,Forced Air
- Cooling: Central AC
- Basement: Concrete Floor,Full,Unfinished,Interior Access
- Approx Sq. Feet: 1,543
- Acreage: 0.08
- Est. Taxes: $4,403
- Lot Desc: City Lot,River,River Frontage,View,Water View,Waterfront,Near Shopping,Near Railroad,Near School(s)
- Water Front: Yes
- School District: Laconia Sch Dst SAU #30
- MLS#: 5076918
- Website: https://www.raveis.com
/prop/5076918/98waterstreet_laconia_nh?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of PrimMLS. The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data last updated 5/26/2026Listing courtesy of Legacy Group/ Real Broker NH, LLC Phone: 603-409-6926
Listing Agent: Kara Chase
William Raveis Family of Services
Our family of companies partner in delivering quality services in a one-stop-shopping environment. Together, we integrate the most comprehensive real estate, mortgage and insurance services available to fulfill your specific real estate needs.
Customer Service
888.699.8876
Contact@raveis.com
Our family of companies offer our clients a new level of full-service real estate. We shall:
- Market your home to realize a quick sale at the best possible price
- Place up to 20+ photos of your home on our website, raveis.com
- Provide frequent communication and tracking reports showing the Internet views your home received on raveis.com
- Showcase your home on raveis.com with a larger and more prominent format
- Give you the full resources and strength of William Raveis Real Estate, Mortgage & Insurance and our cutting-edge technology
To learn more about our credentials, visit raveis.com today.
Frank KolbSenior Vice President - Coaching & Strategic, William Raveis Mortgage, LLC
NMLS Mortgage Loan Originator ID 81725
203.980.8025
Frank.Kolb@raveis.com
Our Executive Mortgage Banker:
- Is available to meet with you in our office, your home or office, evenings or weekends
- Offers you pre-approval in minutes!
- Provides a guaranteed closing date that meets your needs
- Has access to hundreds of loan programs, all at competitive rates
- Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction
Joel FanjoyRegional SVP Insurance Sales, William Raveis Insurance
617.320.5687
Joel.Fanjoy@raveis.com
Our Insurance Division:
- Will Provide a home insurance quote within 24 hours
- Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
- Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable
98 Water Street, Laconia, NH, 03246
$695,000
Customer Service
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
Frank Kolb
Senior Vice President - Coaching & Strategic
William Raveis Mortgage, LLC
Phone: 203.980.8025
Frank.Kolb@raveis.com
NMLS Mortgage Loan Originator ID 81725
|
5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
|---|---|---|---|
| Loan Amount | $556,000 | $556,000 | $556,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 6.125% | 6.490% | 5.750% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.424% | 6.628% | 5.933% |
| Monthly Tax Payment | $367 | $367 | $367 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $3,378 | $3,511 | $4,617 |
| Total Monthly Payment | $3,837 | $3,970 | $5,076 |
* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.
** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.
The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.
William Raveis Mortgage, LLC, NMLS ID 2630, 7 Trap Falls Road, Shelton, CT 06484
NH Mortgage Banker #11083-MB