110 Craddock Dr, Spencer, WV 25276 Property Records

Roane County property record for 110 Craddock Dr, Spencer, WV 25276

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,792 sqft · built 1980
Lot Size	0.209 acres (9,104 sqft)
Owner	2 Individual Names on Record
Last Sale	$166,000 (Oct 2025)
Tax Bill	$994 (2026)
Deeds & Mortgages	Oct 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-10-0028.0000`

Property Details

APN / Parcel Number

Primary APN	`08-10-0028.0000`
Alternative APNs	`44-08-0010-0028-0000` `4408 10002800000000` `44-08-10-0028.0000` `85770001`

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	1,792 sqft Living Area
1st Floor Area	2,176 sqft
Basement Area	640 sqft
Finished Basement	640 sqft

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Conventional
Construction Type	Frame
Lot Area	9,104 sqft (0.209 acres)
Lot Dimensions	90 ft deep x 101 ft wide
Terrain	Rolling
Porch	Porch
Porch Area	64 sqft
Patio Area	240 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	85770001
Street Address	110 CRADDOCK DR
City	SPENCER
State	WV
Zip	25276-1619
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT B-5 EAST MEADOWS
Legal Subdivision	EAST MEADOWS NO 1 SUBDIVISION
Legal Lot Number	B
Jurisdiction	ROANE WV
Township / Civil Division	II
Census Block Group	1
Census Block	1001
Census Tract	963000

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	110 CRADDOCK DR, SPENCER, WV 25276-1619
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 1, 2025 · Amount on Record
Deed Sale	Oct 1, 2025 · Amount on Record
Prior Sale	Mar 24, 2025 · Amount on Record
Deed Document Number	20252202862
Deed Book / Page	685 / 11
Record Updated	Oct 29, 2026

October 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	ROANE WV
Recording Date	Oct 1, 2025
Property Address	110 CRADDOCK DR, SPENCER, WV 25276-1619
Document Number	0000685/11
Book / Page	685 / 11
Map Reference	MB 3 PG 134
Instrument Date	Oct 1, 2025
Instrument	2202862
Transaction Type	Transfer
Record Updated	Oct 20, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$913.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	110 CRADDOCK DR, SPENCER, WV 25276-1619

Mortgage

Document Number	0002202863
Date	Oct 1, 2025
Instrument	2202863

Lender

Name	THE POCA VALLEY BANK INC
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 5, 2055

Interest

Rate Type	Adjustable Rate
Rate	7.52%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2032
Change Frequency	Annually
Min Rate At Change	5.52%
Max Rate At Change	9.52%
Index	1-Year CMT
Max Rate	12.5%

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	$994.00 (+1.43%)	$44,640 (+2.76%) Land $12,120 Building $32,520	$74,400 (+2.76%) Land $20,200 Building $54,200
2025	$980.00 (+11.24%)	$43,440 (+9.2%) Land $10,320 Building $33,120	$72,400 (+9.2%) Land $17,200 Building $55,200
2024	$881.00 (-0.23%)	$39,780 (+2.63%) Land $7,680 Building $32,100	$66,300 (+2.63%) Land $12,800 Building $53,500
2023	$883.00 (+0.34%)	$38,760 (+0.94%) Land $7,440 Building $31,320	$64,600 (+0.94%) Land $12,400 Building $52,200
2022	$880.00	$38,400 Land $7,440 Building $30,960	$64,000 Land $12,400 Building $51,600

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 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 66% of the US · above 43% of West Virginia
Wildfire Likelihood	0.04% 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.

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