109 Summit St, Spencer, WV 25276 Property Records

Roane County property record for 109 Summit St, Spencer, WV 25276

Property Summary

Property Type	Mobile Home
Lot Size	0.12 acres (5,227 sqft)
Owner	Individual Name on File
Last Sale	$45,000 (May 2026)
Tax Bill	$266 (2026)
Deeds & Mortgages	May 2026 Sale & Mortgage Nov 2024 Sale
Flood Zone	Zone X (minimal risk)
APN	`08-1-0155.0000`

Property Details

APN / Parcel Number

Primary APN	`08-1-0155.0000`
Alternative APNs	`44-08-0001-0155-0000` `4408 1015500000000` `44-08-1-0155.0000` `85498401`

Exterior

Architectural Style	Mobile Home
Lot Area	5,227 sqft (0.12 acres)
Lot Dimensions	107 ft deep x 49 ft wide
Terrain	Low

Utilities, Heating & Cooling

Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	85498401
Street Address	109 SUMMIT ST
City	SPENCER
State	WV
Zip	25276-1119
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	LOT 10 COLLEGE ADDN 0.12 SUR COLLEGE ADDITION
Legal Subdivision	COLLEGE ADD
Legal Lot Number	10
Jurisdiction	ROANE WV
Township / Civil Division	I
Census Block Group	3
Census Block	3013
Census Tract	963000

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	109 SUMMIT ST, SPENCER, WV 25276-1119
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 28, 2026	Warranty Deed, Transfer · Conventional Mortgage POCA VALLEY BANK
Nov 12, 2024	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 28, 2026 · Amount on File
Deed Sale	May 28, 2026 · Amount on File
Prior Sale	Nov 12, 2024 · Amount on File
Deed Document Number	20262206079
Deed Book / Page	696 / 681
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROANE WV
Recording Date	May 28, 2026
Property Address	109 SUMMIT ST, SPENCER, WV 25276-1119
Document Number	0002206079
Book / Page	696 / 681
Instrument Date	May 19, 2026
Instrument	20262206079
Transaction Type	Transfer
Record Updated	Jun 10, 2026
Title Company	BEST TITLE AGENCY, BESTITLF AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$24,997.50
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	109 SUMMIT ST, SPENCER, WV 25276-1119

Mortgage

Document Number	0002206080,
Date	May 28, 2026
Instrument	20262206080

Lender

Name	POCA VALLEY BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	85 Months
Due	Jun 3, 2033

Interest

Rate	6.3%
Max Rate	-1%

November 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	ROANE WV
Recording Date	Nov 12, 2024
Property Address	109 SUMMIT ST, SPENCER, WV 25276-1119
Document Number	000666/243
Book / Page	666 / 243
Instrument Date	Nov 8, 2024
Instrument	2197284
Transaction Type	Transfer
Record Updated	Jun 11, 2026

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3873 RIPLEY RD, SPENCER, WV 25276-8677

Tax Assessment & Valuation

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	$266.00 (+3.5%)	$11,940 (+4.74%) Land $4,620 Building $7,320	$19,900 (+4.74%) Land $7,700 Building $12,200
2025	$257.00 (+5.76%)	$11,400 (+6.74%) Land $4,620 Building $6,780	$19,000 (+6.74%) Land $7,700 Building $11,300
2023	$243.00	$10,680 (+0.56%) Land $4,380 Building $6,300	$17,800 (+0.56%) Land $7,300 Building $10,500
2022	$243.00	$10,620 Land $4,380 Building $6,240	$17,700 Land $7,300 Building $10,400

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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

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.

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 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.

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