Roane County property record for 108 Summit St, Spencer, WV 25276
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 940 sqft · built 1975 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | Individual Name on File |
| Last Sale | $70,000 (Mar 2015) |
| Tax Bill | $913 (2026) |
| Deeds & Mortgages | Feb 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-3-0012.0007 |
| Primary APN | 08-3-0012.0007 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 940 sqft Living Area |
| 1st Floor Area | 1,880 sqft |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1975 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Raised |
| Lot Area | 9,583 sqft (0.22 acres) |
| Lot Dimensions | 110 ft deep x 79.1 ft wide |
| Terrain | Rolling |
| Garage Type | Carport |
| Carport | Carport |
| Porch | Porch |
| Porch Area | 60 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 87000054 |
|---|---|
| Street Address | 108 SUMMIT ST |
| City | SPENCER |
| State | WV |
| Zip | 25276-1120 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | .206 SUR (LOT 8) COLLEGE ADDN (RENTAL) |
| Legal Subdivision | COLLEGE ADD |
| Legal Lot Number | 8 |
| Jurisdiction | ROANE WV |
| Township / Civil Division | I |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 963000 |
108 Summit St is owned by an individual who bought it in March 2015.
Source: Roane County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 258 FLAT FRK, LOONEYVILLE, WV 25259-9596 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 4, 2015 · Amount on File |
| Deed Sale | Mar 4, 2015 · Amount on File |
| Deed Document Number | 20152120782 |
| Deed Book / Page | 519 / 687 |
| Prior Transfer Date | Feb 26, 2015 |
| Prior Transfer Doc | 0002120782 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROANE WV |
| Property Address | 108 SUMMIT ST, SPENCER, WV 25276-1120 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2022 |
| Name | Verified Name |
|---|
| Document Number | 000344/351 |
|---|---|
| Date | Feb 26, 2019 |
| Book Page | 344/351 |
| Instrument | 2148091 |
| Name | FIRST NEIGHBORHOOD BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Feb 23, 2023 |
| Rate Type | Fixed Rate |
|---|
The 2026 property tax bill for 108 Summit St was $913, up 4.1% 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 | $913.00 (+4.1%) | $40,980 (+5.4%) Land $8,280 Building $32,700 | $68,300 (+5.4%) Land $13,800 Building $54,500 |
| 2025 | $877.00 | $38,880 Land $8,280 Building $30,600 | $64,800 Land $13,800 Building $51,000 |
| 2023 | $831.00 (+0.36%) | $36,480 (+1%) Land $7,680 Building $28,800 | $60,800 (+1%) Land $12,800 Building $48,000 |
| 2022 | $828.00 | $36,120 Land $7,680 Building $28,440 | $60,200 Land $12,800 Building $47,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 108 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 108 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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures