1302 Spring Crk, Spencer, WV 25276 Property Records

Roane County property record for 1302 Spring Crk, Spencer, WV 25276

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,351 sqft · built 1959
Lot Size	1.2 acres (52,272 sqft)
Owner	Individual Name on File
Last Sale	$269,000 (Jul 2025)
Tax Bill	$509 (2026)
Deeds & Mortgages	Apr 2013 Mortgage Jul 2025 Sale & Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`07-17-0003.0000`

Property Details

APN / Parcel Number

Primary APN	`07-17-0003.0000`
Alternative APNs	`44-07-0017-0003-0000` `4407 17000300000000` `44-07-17-0003.0000` `74217601`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,351 sqft Living Area
1st Floor Area	2,624 sqft

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Architectural Style	Rustic
Construction Type	Frame
Lot Area	52,272 sqft (1.2 acres)
Terrain	Above Road/Slope
Garage Type	Basement
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	624 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	74217601
Street Address	1302 SPRING CRK
City	SPENCER
State	WV
Zip	25276-8002
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1.20 SUR SPRING CREEK
Legal Subdivision	SUR SPRING CREEK
Jurisdiction	ROANE WV
Township / Civil Division	II
Census Block Group	2
Census Block	2024
Census Tract	962800

Owner

1302 Spring Crk is owned and occupied by an individual who bought it in July 2025.

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

Owner of Record	Individual Name on File
Mailing Address	1302 SPRING CRK, SPENCER, WV 25276-8002
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
Apr 4, 2013	Deed of Trust, Mortgage EMBRACE HOME LOANS, INC.
Jul 29, 2025	Warranty Deed, Construction Loan · Construction Mortgage USDA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 29, 2025 · Amount on File
Deed Sale	Jul 29, 2025 · Amount on File
Deed Document Number	20252201657
Deed Book / Page	683 / 575
Prior Transfer Date	Mar 21, 2013
Prior Transfer Doc	000488/650
Record Updated	Oct 29, 2026

April 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROANE WV
Property Address	1302 SPRING CRK, SPENCER, WV 25276-8002
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1302 SPRING CRK, SPENCER, WV 25276-8002

Mortgage

Document Number	000316/214
Date	Apr 4, 2013
Book Page	316/214
Instrument	2103475

Lender

Name	EMBRACE HOME LOANS, INC.
Type	Mortgage Company
Address	25 ENTERPRISE CT, NEWPORT, RI 02840

Agreement

Amount	Amount on Record
Term	180 Months
Due	Apr 1, 2028

July 2025: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	ROANE WV
Recording Date	Jul 29, 2025
Property Address	1302 SPRING CRK, SPENCER, WV 25276-8002
Document Number	000683/575
Book / Page	683 / 575
Instrument Date	Jul 23, 2025
Instrument	2201657
Transaction Type	Construction Loan
Record Updated	Jan 28, 2026
Title Company	BEST TITLE AGENCY, BESTITLE TITLE AGENCY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,479.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1302 SPRING CRK, SPENCER, WV 25276-8002

Mortgage

Document Number	0002201658
Date	Jul 29, 2025
Instrument	2201658

Lender

Name	USDA
Type	Government Agency

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	396 Months
Due	Jul 23, 2058

Tax Assessment & Valuation

The 2026 property tax bill for 1302 Spring Crk was $509 with a homeowner's exemption, up 9.5% from the year before.

Source: Roane County assessment roll, as of December 2, 2025

Property Jurisdictions

Type	Name
State	West Virginia
County	Roane County
Unified School District	Roane County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$509.00 (+9.46%)	$78,120 (+6.98%) Land $11,940 Building $66,180	$130,200 (+6.98%) Land $19,900 Building $110,300
2025	$465.00 Homeowner's exemption	$73,020 Land $11,220 Building $61,800	$121,700 Land $18,700 Building $103,000
2023	$603.00 (+1.52%)	$67,860 (+2.35%) Land $10,380 Building $57,480	$113,100 (+2.35%) Land $17,300 Building $95,800
2022	$594.00	$66,300 Land $9,960 Building $56,340	$110,500 Land $16,600 Building $93,900

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

Flood

FEMA maps place 1302 Spring Crk in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force
Nearby Flood Claims	3 (2013–2024)
Most Recent Claim	Apr 2024 · Severe Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Flooding, Landslides, And Mudslides, Apr 2024 · 2 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 1302 Spring Crk is low, with a 0.03% 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	0.03% annual chance
Exposure	Direct burnable vegetation

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 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Frontier DSL	10 / 1

May also be available: Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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