112 State St, Spencer, WV 25276 Property Records

Roane County property record for 112 State St, Spencer, WV 25276

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 884 sqft · built 1955
Lot Size	0.333 acres (14,505 sqft)
Owner	Individual Name on File
Last Sale	$99,000 (May 2023)
Tax Bill	$555 (2026)
Deeds & Mortgages	May 2026 Mortgage May 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-2-0167.0000`

Property Details

APN / Parcel Number

Primary APN	`08-2-0167.0000`
Alternative APNs	`44-08-0002-0167-0000` `44-08-2-0167.0000` `85552401`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	884 sqft Living Area
1st Floor Area	1,688 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Lot Area	14,505 sqft (0.333 acres)
Lot Dimensions	116 ft deep x 120 ft wide
Terrain	Above Road/Slope
Garage Area	384 sqft
Porch	Porch
Porch Area	264 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Heating System	HVAC
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	85552401
Street Address	112 STATE ST
City	SPENCER
State	WV
Zip	25276-1228
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT LOT ALVORD
Jurisdiction	ROANE WV
Township / Civil Division	II
Census Block Group	1
Census Block	1002
Census Tract	963000

Owner

112 State St is owned and occupied by an individual who bought it in May 2023.

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

Owner of Record	Individual Name on File
Mailing Address	112 STATE ST, SPENCER, WV 25276-1228
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
May 8, 2026	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORPORATION
May 4, 2023	Warranty Deed, Transfer · VA Mortgage VICTORIAN FINANCE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 4, 2023 · Amount on File
Deed Sale	May 4, 2023 · Amount on File
Prior Sale	Apr 18, 2011 · Amount on File
Deed Document Number	20232187289
Deed Book / Page	641 / 137
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROANE WV
Recording Date	May 8, 2026
Property Address	112 STATE ST, SPENCER, WV 25276-1228
Document Number	000389/105
Book / Page	389 / 105
Instrument Date	May 1, 2026
Instrument	20262205882
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	SINGLESOURCE PROPERTY SOLUTION, SINGLESOURCE PROPERTY SOLUTI

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	112 STATE ST, SPENCER, WV 25276-1228

Mortgage

Document Number	0002205882,
Date	May 8, 2026
Book Page	389/105
Instrument	20262205882

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.46%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROANE WV
Recording Date	May 4, 2023
Property Address	112 STATE ST, SPENCER, WV 25276-1228
Document Number	000641/137
Book / Page	641 / 137
Map Reference	DB 181 PG 439
Instrument Date	May 3, 2023
Instrument	2187289
Transaction Type	Transfer
Record Updated	Dec 1, 2025
Title Company	BESTITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$762.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002187290
Date	May 4, 2023
Instrument	2187290

Lender

Name	VICTORIAN FINANCE LLC
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2053

Tax Assessment & Valuation

The 2026 property tax bill for 112 State St was $555, up 4.5% 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	$555.00 (+4.52%)	$49,860 (+5.99%) Land $7,020 Building $42,840	$83,100 (+5.99%) Land $11,700 Building $71,400
2025	$531.00	$47,040 Land $7,020 Building $40,020	$78,400 Land $11,700 Building $66,700
2023	$498.00 (+1.43%)	$43,740 (+2.1%) Land $6,540 Building $37,200	$72,900 (+2.1%) Land $10,900 Building $62,000
2022	$491.00	$42,840 Land $6,540 Building $36,300	$71,400 Land $10,900 Building $60,500

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 112 State St 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 112 State St 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	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 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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