123 Craddock Dr, Spencer, WV 25276 Property Records

Roane County property record for 123 Craddock Dr, Spencer, WV 25276

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 960 sqft · built 1980
Lot Size	0.19 acres (8,276 sqft)
Owner	Individual Name on File
Tax Bill	$581 (2026)
Deeds & Mortgages	Dec 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-10-0021.0000`

Property Details

APN / Parcel Number

Primary APN	`08-10-0021.0000`
Alternative APNs	`44-08-0010-0021-0000` `4408 10002100000000` `44-08-10-0021.0000` `85768601`

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	960 sqft Living Area
1st Floor Area	1,920 sqft
Game Room	Game Room

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	8,276 sqft (0.19 acres)
Lot Dimensions	95 ft deep x 80 ft wide
Terrain	Rolling
Patio Area	220 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	85768601
Street Address	123 CRADDOCK DR
City	SPENCER
State	WV
Zip	25276-1617
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT B-11 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	1003
Census Tract	963000

Owner

123 Craddock Dr is owned and occupied by an individual who acquired it in July 2024.

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

Owner of Record	Individual Name on File
Mailing Address	1063 STEELE HOLLOW RD, SPENCER, WV 25276-8133
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jul 16, 2024
Transfer Doc	000661/351
Record Updated	Oct 29, 2026

December 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	ROANE WV
Recording Date	Dec 13, 2024
Property Address	123 CRADDOCK DR, SPENCER, WV 25276-1617
Document Number	000667/612
Book / Page	667 / 612
Map Reference	MB 3 PG 134
Instrument Date	Dec 12, 2024
Instrument	2197670
Transaction Type	Transfer
Record Updated	Dec 1, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV 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	1063 STEELE HOLLOW RD, SPENCER, WV 25276-8133

Mortgage

Document Number	0002197669
Date	Dec 13, 2024
Instrument	2197669

Lender

Name	THE POCA VALLEY BANK INC
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.68%
Adjustable	Adjustable Rate Rider
Type Change Date	Jan 1, 2032
Change Frequency	Annually
Min Rate At Change	4.66%
Max Rate At Change	8.66%
Index	1-Year CMT
Max Rate	11.6%

Tax Assessment & Valuation

The 2026 property tax bill for 123 Craddock Dr was $581 with a homeowner's exemption, up 65.5% 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	$581.00 (+65.53%)	$52,200 (+1.99%) Land $11,160 Building $41,040	$87,000 (+1.99%) Land $18,600 Building $68,400
2025	$351.00 Homeowner's exemption	$51,180 Land $9,480 Building $41,700	$85,300 Land $15,800 Building $69,500
2023	$300.00 (+1.01%) Homeowner's exemption	$46,380 (+1.05%) Land $7,140 Building $39,240	$77,300 (+1.05%) Land $11,900 Building $65,400
2022	$297.00 Homeowner's exemption	$45,900 Land $7,140 Building $38,760	$76,500 Land $11,900 Building $64,600

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

Flood

FEMA maps place 123 Craddock Dr 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 123 Craddock Dr is low, with a 0.04% annual chance of 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 48 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