Roane County property record for 102 Summit St, Spencer, WV 25276
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,206 sqft · built 1978 |
| Lot Size | 0.174 acres (7,579 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $630 (2026) |
| Deeds & Mortgages | Oct 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-3-0012.0005 |
| Primary APN | 08-3-0012.0005 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,206 sqft Living Area |
| 1st Floor Area | 2,412 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Raised |
| Lot Area | 7,579 sqft (0.174 acres) |
| Lot Dimensions | 126 ft deep x 5 ft wide |
| Terrain | Rolling |
| Garage Area | 264 sqft |
| Porch | Porch |
| Porch Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 77000052 |
|---|---|
| Street Address | 102 SUMMIT ST |
| City | SPENCER |
| State | WV |
| Zip | 25276-1120 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | .184 SUR (LOT 6) COLLEGE ADDN |
| Legal Subdivision | COLLEGE ADD |
| Legal Lot Number | 6 |
| Jurisdiction | ROANE WV |
| Township / Civil Division | I |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 963000 |
102 Summit St is owned by an individual who acquired it in January 2005.
Source: Roane County records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 108 BURGESS DR, SPENCER, WV 25276-1623 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Jan 6, 2005 |
| Transfer Doc | 0002042561 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROANE WV |
| Property Address | 102 SUMMIT ST, SPENCER, WV 25276-1120 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2022 |
| Name | Verified Name |
|---|
| Document Number | 000365/688 |
|---|---|
| Date | Oct 20, 2021 |
| Book Page | 365/688 |
| Instrument | 2179076 |
| Name | FIRST NEIGHBOR BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Oct 8, 2031 |
| Rate Type | Fixed Rate |
|---|
The 2026 property tax bill for 102 Summit St was $630, up 4% from the year before.
Source: Roane County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | West Virginia |
| County | Roane County |
| Municipality | Spencer City |
| Unified School District | Roane County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $630.00 (+3.96%) | $56,520 (+5.13%) Land $5,220 Building $51,300 | $94,200 (+5.13%) Land $8,700 Building $85,500 |
| 2025 | $606.00 | $53,760 Land $5,220 Building $48,540 | $89,600 Land $8,700 Building $80,900 |
| 2023 | $616.00 (+1.82%) | $54,060 (+2.39%) Land $4,860 Building $49,200 | $90,100 (+2.39%) Land $8,100 Building $82,000 |
| 2022 | $605.00 | $52,800 Land $4,860 Building $47,940 | $88,000 Land $8,100 Building $79,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 102 Summit St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2013.
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 Claims | 1 (2013) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jun 2013 · Severe Storms And Flooding |
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 risk around 102 Summit St is low, with a 0.01% 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 | 0.01% annual chance |
| Exposure | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 421 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 |
May also be available: T-Mobile.
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