101 Ernest St, Spencer, WV 25276 Property Records

Roane County property record for 101 Ernest St, Spencer, WV 25276

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 936 sqft · built 1980
Lot Size	0.305 acres (13,286 sqft)
Owner	2 Individual Names on Record
Tax Bill	$425 (2026)
Deeds & Mortgages	Oct 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`08-10-0013.0000`

Property Details

APN / Parcel Number

Primary APN	`08-10-0013.0000`
Alternative APNs	`44-08-0010-0013-0000` `4408 10001300000000` `44-08-10-0013.0000` `85767001`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	936 sqft Living Area
1st Floor Area	1,872 sqft

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	13,286 sqft (0.305 acres)
Lot Dimensions	134 ft deep x 99 ft wide
Terrain	Rolling
Garage Area	624 sqft
Porch	Porch
Porch Area	84 sqft
Patio Area	176 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	85767001
Street Address	101 ERNEST ST
City	SPENCER
State	WV
Zip	25276-1627
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT A-9 SEC A NO 1 MEADOWS
Legal Subdivision	EAST MEADOWS NO 1 SUBDIVISION
Legal Lot Number	A
Jurisdiction	ROANE WV
Township / Civil Division	II
Census Block Group	1
Census Block	1000
Census Tract	963000

Owner

Source: Roane County records, as of October 20, 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	101 ERNEST ST, SPENCER, WV 25276-1627
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Sep 26, 2024
Transfer Doc	000664/590
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROANE WV
Property Address	101 ERNEST ST, SPENCER, WV 25276-1627
Transaction Type	Mortgage
Record Updated	Dec 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000372/318
Date	Oct 18, 2022
Book Page	372/318
Instrument	2184438

Lender

Name	FIRST NEIGHBOR BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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	$425.00 (+10.68%)	$58,200 (+7.66%) Land $4,680 Building $53,520	$97,000 (+7.66%) Land $7,800 Building $89,200
2025	$384.00 (+9.09%) Homeowner's exemption Disabled Person's exemption	$54,060 (+6.12%) Land $4,680 Building $49,380	$90,100 (+6.12%) Land $7,800 Building $82,300
2023	$352.00 (+3.23%) Homeowner's exemption	$50,940 (+2.41%) Land $4,500 Building $46,440	$84,900 (+2.41%) Land $7,500 Building $77,400
2022	$341.00 Homeowner's exemption	$49,740 Land $4,500 Building $45,240	$82,900 Land $7,500 Building $75,400

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 March 2, 2012 · 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	6 in force
Nearby Flood Claims	28 (1997–2024)
Claims Outside the SFHA	3 of 28
Most Recent Claim	Apr 2024 · Severe Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Flooding, Landslides, And Mudslides, Apr 2024 · 4 claims Severe Storms And Flooding, Jun 2013 · 6 claims Heavy & Wind Driven Rain, High Winds,flooding,slides, Mar 1997 · 3 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

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	0.02% annual chance
Exposure	Direct burnable vegetation

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	SPENCER WATER DEPT serves 4,630 people · EPA ID WV3304405
Water Source	Surface water
Last State Inspection	Feb 2026
Lead	Under 1 ppb (2021–2023) 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 79 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20