21 Spruce Street, Laconia, NH, 03246 | $425,000

Laconia, NH - Lovingly cared for by the same owners for more than 25 years, this warm and welcoming 4-bedroom, 2-bath home is ready for its next chapter. Thoughtfully maintained and truly move-in ready, it offers the perfect blend of comfort, character, and convenience. A spacious walk-in mudroom provides the ideal everyday entry, while beautiful hardwood floors flow throughout the first floor, where you'll find a generously sized bedroom and full bath for easy one-level living. Sunlight pours through newer windows, filling every room with warmth and natural light. Upstairs features two oversized bedrooms and a full bath with a shower, creating comfortable spaces for family and guests alike. The ample stowaway area in the heated eaves in each room is ideal for more climate storage! The partially finished basement adds incredible flexibility with a bonus room perfect for a home theater, gym, game room, craft studio, office, or additional sleeping space. Laundry and abundant storage complete the lower level. Outside, enjoy a large paved driveway, an oversized storage shed, and a beautifully landscaped, low-maintenance yard featuring two stunning mature maple trees, lush green grass, and a peaceful entertaining area beside a gentle stream. Sunny and shaded spaces create the perfect setting to relax all season long. Ideally located in the heart of New Hampshire's Lakes Region, you'll enjoy year-round recreation just minutes from Lake Winnipesaukee, local beaches, parks, playgrounds, shopping, restaurants, charming downtown districts, antique shops, the hospital, and endless community events. Spend summers boating, swimming, hiking, and attending concerts at the nearby BankNH Pavilion, then embrace winter with skiing and tubing at Gunstock Mountain Resort. Privacy, convenience, and timeless charm come together in this lovingly maintained home, ready for its next owners to create memories for years to come.

Features

  • Rooms: 9
  • Bedrooms: 4
  • Baths: 1 full / 1 three-quarter
  • Style: Cape
  • Year Built: 1985
  • Heating: Oil,Baseboard,Hot Water,Multi Zone,Wood Stove
  • Cooling: None
  • Basement: Bulkhead,Concrete,Concrete Floor,Daylight,Insulated,Partially Finished,Storage Space,Interior Access,Exterior Access,Basement Stairs
  • Approx Sq. Feet: 1,428
  • Acreage: 0.22
  • Est. Taxes: $4,434
  • Lot Desc: Beach Access,City Lot,Curbing,Level,Stream,Street Lights,Trail/Near Trail,Walking Trails,In Town,Near Shopping,Near Skiing,Near Snowmobile Trails,Neighborhood,Near Hospital,Near School(s)
  • Elem. School: Woodland Heights Elementary
  • Middle School: Laconia Middle School
  • High School: Laconia High School
  • School District: Laconia Sch Dst SAU #30
  • MLS#: 5098009
  • Website: https://www.raveis.com
    /prop/5098009/21sprucestreet_laconia_nh?source=qrflyer
©2026 New England Real Estate Network, Inc. All rights reserved.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 7/5/2026
Listing courtesy of Legacy Group/ Real Broker NH, LLC   Phone: 603-409-6926
Listing Agent: Tracy Jenkins

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

21 Spruce Street, Laconia, NH, 03246

$425,000

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 $340,000 $340,000 $340,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.990% 6.490% 5.750%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.370% 6.615% 5.952%
Monthly Tax Payment $370 $370 $370
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $2,036 $2,147 $2,823
Total Monthly Payment $2,481 $2,592 $3,268

* 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.