104 Craddock Dr, Spencer, WV 25276 Property Records

Roane County property record for 104 Craddock Dr, Spencer, WV 25276

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,184 sqft · built 1980
Lot Size	0.569 acres (24,786 sqft)
Owner	Individual Name on File
Last Sale	$164,000 (Dec 2021)
Tax Bill	$965 (2026)
Deeds & Mortgages	Dec 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-10-0002.0000`

Property Details

APN / Parcel Number

Primary APN	`08-10-0002.0000`
Alternative APNs	`44-08-0010-0002-0000` `4408 10000200000000` `44-08-10-0002.0000` `85764801`

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	2,184 sqft Living Area
1st Floor Area	2,184 sqft
Basement Area	1,092 sqft
Finished Basement	1,092 sqft

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Lot Area	24,786 sqft (0.569 acres)
Lot Dimensions	117 ft deep x 250 ft wide
Terrain	Rolling
Garage Type	Basement
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	124 sqft
Patio Area	588 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	85764801
Street Address	104 CRADDOCK DR
City	SPENCER
State	WV
Zip	25276-1619
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT B-2 E MEADOW
Legal Subdivision	EAST MEADOWS NO 1 SUB
Legal Lot Number	B
Jurisdiction	ROANE WV
Township / Civil Division	II
Census Block Group	1
Census Block	1001
Census Tract	963000

Owner

104 Craddock Dr is owned and occupied by an individual who bought it in December 2021.

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

Owner of Record	Individual Name on File
Mailing Address	104 CRADDOCK DR, SPENCER, WV 25276-1619
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 16, 2021 · Amount on File
Deed Sale	Dec 16, 2021 · Amount on File
Deed Document Number	20212179876
Deed Book / Page	628 / 561
Record Updated	Oct 29, 2026

December 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	ROANE WV
Recording Date	Dec 16, 2021
Property Address	104 CRADDOCK DR, SPENCER, WV 25276-1619
Document Number	000628/561
Book / Page	628 / 561
Map Reference	PB 3 PG 134
Instrument Date	Dec 15, 2021
Instrument	2179876
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,262.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002179877
Date	Dec 16, 2021
Instrument	2179877

Lender

Name	VICTORIAN FINANCE LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2037

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 104 Craddock Dr was $965, up 7.7% from the year before.

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$965.00 (+7.7%)	$86,640 (+9.15%) Land $18,840 Building $67,800	$144,400 (+9.15%) Land $31,400 Building $113,000
2025	$896.00	$79,380 Land $16,020 Building $63,360	$132,300 Land $26,700 Building $105,600
2023	$833.00 (+38.14%)	$73,140 (+0.66%) Land $13,380 Building $59,760	$121,900 (+0.66%) Land $22,300 Building $99,600
2022	$603.00 Homeowner's exemption	$72,660 Land $13,380 Building $59,280	$121,100 Land $22,300 Building $98,800

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 104 Craddock Dr in Zone X, an area of minimal flood risk, though there have been 28 flood claims nearby since 1997.

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

Wildfire risk around 104 Craddock Dr is low, with a 0.02% 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	0.02% 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