106 Summit Ln, Spencer, WV 25276 Property Records

Roane County property record for 106 Summit Ln, Spencer, WV 25276

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,032 sqft · built 1999
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on File
Last Sale	$85,000 (Nov 2019)
Tax Bill	$602 (2026)
Deeds & Mortgages	Nov 2019 Mortgage Nov 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-1-0227.0000`

Property Details

APN / Parcel Number

Primary APN	`08-1-0227.0000`
Alternative APNs	`44-08-0001-0227-0000` `4408 1022700000000` `44-08-1-0227.0000` `87000002`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,032 sqft Living Area
1st Floor Area	2,064 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	12,197 sqft (0.28 acres)
Lot Dimensions	226 ft deep x 35.2 ft wide
Terrain	Rolling
Patio Area	184 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	87000002
Street Address	106 SUMMIT LN
City	SPENCER
State	WV
Zip	25276-1149
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	.42 SUR TANNER HILL (LOTS 4-5)
Legal Lot Number	4,5
Jurisdiction	ROANE WV
Township / Civil Division	I
Census Block Group	3
Census Block	3014
Census Tract	963000

Owner

106 Summit Ln is owned and occupied by an individual who bought it in November 2019.

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

Owner of Record	Individual Name on File
Mailing Address	106 SUMMIT LN, SPENCER, WV 25276-1149
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Nov 15, 2019	Deed of Trust, Mortgage · Conventional Mortgage WEST VIRGINIA HOUSING DEV
Nov 15, 2019	Deed, Transfer · Conventional Mortgage POCA VALLEY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 15, 2019 · Amount on File
Deed Sale	Nov 15, 2019 · Amount on File
Deed Document Number	20192161390
Deed Book / Page	607 / 428
Record Updated	Oct 29, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROANE WV
Property Address	106 SUMMIT LN, SPENCER, WV 25276-1149
Transaction Type	Mortgage
Record Updated	Aug 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000354/96
Date	Nov 15, 2019
Book Page	354/96
Instrument	2161392

Lender

Name	WEST VIRGINIA HOUSING DEV
Type	Government Agency

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Dec 1, 2034

Interest

Rate Type	Fixed Rate

November 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	ROANE WV
Recording Date	Nov 15, 2019
Property Address	106 SUMMIT LN, SPENCER, WV 25276-1149
Document Number	000607/428
Book / Page	607 / 428
Map Reference	DB 420 PG 443
Instrument Date	Nov 8, 2019
Instrument	2161390
Transaction Type	Transfer
Record Updated	Dec 22, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$654.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	106 SUMMIT LN, SPENCER, WV 25276-1149

Mortgage

Document Number	0000354/85
Date	Nov 15, 2019
Book Page	354/85
Instrument	2161391

Lender

Name	POCA VALLEY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2049

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 106 Summit Ln was $602, up 5.2% 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	$602.00 (+5.24%)	$54,060 (+6.63%) Land $4,020 Building $50,040	$90,100 (+6.63%) Land $6,700 Building $83,400
2025	$572.00	$50,700 Land $4,020 Building $46,680	$84,500 Land $6,700 Building $77,800
2023	$545.00 (+1.87%)	$47,820 (+2.44%) Land $3,900 Building $43,920	$79,700 (+2.44%) Land $6,500 Building $73,200
2022	$535.00	$46,680 Land $3,900 Building $42,780	$77,800 Land $6,500 Building $71,300

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

Flood

FEMA maps place 106 Summit Ln 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

Wildfire risk around 106 Summit Ln 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
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 188 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
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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