Roane County property record for 103 Prospect St, Spencer, WV 25276
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,080 sqft · built 1979 |
| Lot Size | 0.08 acres (3,485 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $135 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-4-0250.0001 |
| Primary APN | 08-4-0250.0001 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,080 sqft Living Area |
| 1st Floor Area | 2,160 sqft |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1979 |
| Architectural Style | Conventional |
| Construction Type | Frame |
| Foundation Type | Raised |
| Lot Area | 3,485 sqft (0.08 acres) |
| Lot Dimensions | 87 ft deep x 40 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Porch | Porch |
| Porch Area | 24 sqft |
| Patio Area | 78 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 85669001 |
|---|---|
| Street Address | 103 PROSPECT ST |
| City | SPENCER |
| State | WV |
| Zip | 25276-1221 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT HASSIG (3386 SQ FT) |
| Jurisdiction | ROANE WV |
| Township / Civil Division | II |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 963000 |
103 Prospect St is owned and occupied by an individual.
Source: Roane County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 103 PROSPECT ST, SPENCER, WV 25276-1221 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Ux (and Wife) |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 103 Prospect St was $135 with a homeowner's exemption, up 11.6% 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 | $135.00 (+11.57%) | $32,100 (+4.29%) Land $7,140 Building $24,960 | $53,500 (+4.29%) Land $11,900 Building $41,600 |
| 2025 | $121.00 Homeowner's exemption | $30,780 Land $7,140 Building $23,640 | $51,300 Land $11,900 Building $39,400 |
| 2023 | $133.00 (+6.4%) Homeowner's exemption | $31,740 (+2.52%) Land $6,960 Building $24,780 | $52,900 (+2.52%) Land $11,600 Building $41,300 |
| 2022 | $125.00 Homeowner's exemption | $30,960 Land $6,960 Building $24,000 | $51,600 Land $11,600 Building $40,000 |
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.
FEMA maps place 103 Prospect St 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 AE, within 500 ft |
| 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 |
|
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 103 Prospect St 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.
Source: FCC Broadband Data Collection, based on 48 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 |
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