103 5th St, Spencer, WV 25276 Property Records

Roane County property record for 103 5th St, Spencer, WV 25276 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 886 sqft · built 1900
Lot Size	0.101 acres (4,400 sqft)
Owner	Individual Name on File
Last Sale	$30,000 (Oct 2022)
Tax Bill	$317 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Jun 2019 Transfer
Flood Zone	Zone AE (high risk)
APN	`08-2-0085.0000`

Property Details

APN / Parcel Number

Primary APN	`08-2-0085.0000`
Alternative APNs	`44-08-0002-0085-0000` `4408 2008500000000` `44-08-2-0085.0000` `85533401`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	886 sqft Living Area
1st Floor Area	1,702 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Lot Area	4,400 sqft (0.101 acres)
Lot Dimensions	110 ft deep x 40 ft wide
Terrain	Above Road/Slope
Porch	Porch
Porch Area	132 sqft

Utilities, Heating & Cooling

Heating System	HVAC
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	85533401
Street Address	103 5TH ST
City	SPENCER
State	WV
Zip	25276-1210
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 11 FAIRGROUND
Legal Subdivision	FAIRGROUND ADD SUB
Legal Lot Number	11
Jurisdiction	ROANE WV
Township / Civil Division	II
Census Block Group	1
Census Block	1009
Census Tract	963000

Owner

Source: Roane County records · APN 08-2-0085.0000

Assessment roll updated December 2, 2025 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	103 5TH ST, SPENCER, WV 25276-1210
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 25, 2022	Warranty Deed, Transfer · Conventional Mortgage POCA VALLEY BANK
Jun 10, 2019	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 25, 2022 · Amount on Record
Deed Sale	Oct 25, 2022 · Amount on Record
Prior Sale	Oct 28, 2005 · Amount on Record
Deed Document Number	20222184582
Deed Book / Page	635 / 441
Prior Transfer Date	Jun 10, 2019
Prior Transfer Doc	000595/485
Record Updated	Jun 08, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROANE WV
Recording Date	Oct 25, 2022
Property Address	103 5TH ST, SPENCER, WV 25276-1210
Document Number	000635/441
Book / Page	635 / 441
Map Reference	DB 595 PG 485
Instrument Date	Oct 24, 2022
Instrument	2184582
Transaction Type	Transfer
Record Updated	Jun 13, 2023
Title Company	BESTITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$231.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 5TH ST, SPENCER, WV 25276-1210

Mortgage

Document Number	000372/407
Date	Oct 25, 2022
Book Page	372/407
Instrument	2184583

Lender

Name	POCA VALLEY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 24, 2037

Interest

Rate Type	Fixed Rate

June 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ROANE WV
Recording Date	Jun 10, 2019
Property Address	103 5TH ST, SPENCER, WV 25276-1210
Document Number	000595/485
Book / Page	595 / 485
Map Reference	DB 437 PG 386
Instrument Date	Jun 10, 2019
Instrument	2158213
Transaction Type	Transfer
Record Updated	Jun 13, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 5TH ST, SPENCER, WV 25276-1210

Tax Assessment & Valuation

Source: Roane County records · Assessment roll updated December 2, 2025 · Last verified April 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$317.00 (+7.46%)	$28,140 (+8.56%) Land $4,080 Building $24,060	$46,900 (+8.56%) Land $6,800 Building $40,100
2023	$295.00 (+1.72%)	$25,920 (+2.37%) Land $3,300 Building $22,620	$43,200 (+2.37%) Land $5,500 Building $37,700
2022	$290.00	$25,320 Land $3,300 Building $22,020	$42,200 Land $5,500 Building $36,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Roane County (54087C), updated March 2, 2012 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 540879630001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required (federally backed mortgages)
Nearby Flood Policies	6 in force
Nearby Flood Claims	28 (1997–2024)
Claims Outside the SFHA	3 of 28
Most Recent Claim	Apr 2024, river or lake flooding, Severe Storms, Flooding, Landslides, And Mudslides
Claims By Storm	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

Wildfire

Wildfire Risk	Low above 20% of the US · above 21% of West Virginia
Wildfire Likelihood	About 1 in 5,000 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 421 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Optimum Communications	Cable	940 / 35
Verizon	Fixed Wireless	300 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: T-Mobile USA. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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