1 Peter Cave Rd, Spencer, WV 25276 Property Records

Roane County property record for 1 Peter Cave Rd, Spencer, WV 25276

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 960 sqft · built 1955
Lot Size	1.5 acres (65,340 sqft)
Owner	Individual Name on File
Last Sale	$85,000 (Oct 2019)
Tax Bill	$382 (2026)
Deeds & Mortgages	Oct 2021 Mortgage Oct 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-4-0023.0001`

Property Details

APN / Parcel Number

Primary APN	`07-4-0023.0001`
Alternative APNs	`44-07-0004-0023-0001` `44-07-4-0023.0001` `76001450`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	960 sqft Living Area
1st Floor Area	1,920 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	65,340 sqft (1.5 acres)
Terrain	Rolling

Utilities, Heating & Cooling

Heating System	HVAC
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	76001450
Street Address	1 PETER CAVE RD
City	SPENCER
State	WV
Zip	25276-9159
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1.50 SUR LITTLE CREEK
Legal Subdivision	SUR LITTLE CREEK
Jurisdiction	ROANE WV
Township / Civil Division	II
Census Block Group	2
Census Block	2015
Census Tract	962800

Owner

1 Peter Cave Rd is owned and occupied by an individual who acquired it in March 2022.

Source: Roane County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	1 PETER CAVE RD, SPENCER, WV 25276-9159
Occupancy	Owner Occupied
Owner Type	Individual

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
Oct 13, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE
Oct 8, 2019	Deed, Transfer · FHA Mortgage VICTORIAN FINANCE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 8, 2019 · Amount on File
Deed Sale	Oct 8, 2019 · Amount on File
Deed Document Number	20192160515
Deed Book / Page	607 / 134
Last Transfer Date	Mar 16, 2022
Transfer Doc	0002182113
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROANE WV
Property Address	1 PETER CAVE RD, SPENCER, WV 25276-9159
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000365/646
Date	Oct 13, 2021
Book Page	365/646
Instrument	2179009

Lender

Name	FREEDOM MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2051

Interest

Rate Type	Fixed Rate

October 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	ROANE WV
Recording Date	Oct 8, 2019
Property Address	1 PETER CAVE RD, SPENCER, WV 25276-9159
Document Number	000607/134
Book / Page	607 / 134
Map Reference	DB 153 PG 554
Instrument Date	Oct 8, 2019
Instrument	2160515
Transaction Type	Transfer
Record Updated	Jun 13, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$654.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 PETER CAVE RD, SPENCER, WV 25276-9159

Mortgage

Document Number	000353/411
Date	Oct 8, 2019
Book Page	353/411
Instrument	2160516

Lender

Name	VICTORIAN FINANCE LLC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2049

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 1 Peter Cave Rd was $382, up 6.1% from the year before.

Source: Roane County assessment roll, as of December 2, 2025

Property Jurisdictions

Type	Name
State	West Virginia
County	Roane County
Unified School District	Roane County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$382.00 (+6.11%)	$43,680 (+6.59%) Land $15,420 Building $28,260	$72,800 (+6.59%) Land $25,700 Building $47,100
2025	$360.00	$40,980 Land $14,580 Building $26,400	$68,300 Land $24,300 Building $44,000
2023	$338.00 (+2.42%)	$38,040 (+3.09%) Land $13,500 Building $24,540	$63,400 (+3.09%) Land $22,500 Building $40,900
2022	$330.00	$36,900 Land $12,960 Building $23,940	$61,500 Land $21,600 Building $39,900

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 1 Peter Cave Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective March 2, 2012 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force
Nearby Flood Claims	3 (2013–2024)
Most Recent Claim	Apr 2024 · Severe Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Flooding, Landslides, And Mudslides, Apr 2024 · 2 claims

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 1 Peter Cave Rd is low, with a 0.03% 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 · lower than 79% of West Virginia
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Frontier DSL	10 / 1

Cell Coverage

No cell data coverage reported

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