1950 Ripley Rd, Spencer, WV 25276 Property Records

Roane County property record for 1950 Ripley Rd, Spencer, WV 25276

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,246 sqft · built 1978
Lot Size	1.1 acres (47,916 sqft)
Owner	Individual Name on Record
Last Sale	$155,000 (Feb 2020)
Tax Bill	$1,156 (2026)
Deeds & Mortgages	Jul 2019 Mortgage Jan 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-9-0037.0008`

Property Details

APN / Parcel Number

Primary APN	`01-9-0037.0008`
Alternative APNs	`44-01-0009-0037-0008` `44-01-9-0037.0008` `10106701`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,246 sqft Living Area
1st Floor Area	2,064 sqft
Basement Area	1,008 sqft
Finished Basement	1,008 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Brick
Lot Area	47,916 sqft (1.1 acres)
Terrain	Rolling
Garage Type	Basement
Porch	Porch
Porch Area	540 sqft
Patio Area	380 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	10106701
Street Address	1950 RIPLEY RD
City	SPENCER
State	WV
Zip	25276
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1.1 SUR L REEDY
Jurisdiction	ROANE WV
Township / Civil Division	I
Census Block Group	1
Census Block	1006
Census Tract	962902

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	Individual Name on Record
Mailing Address	2950 7TH PL, VERO BEACH, FL 32968-1239
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2019	Deed of Trust, Mortgage · Conventional Mortgage POCA VALLEY BANK
Jan 31, 2017	Deed of Trust, Mortgage · Conventional Mortgage UNITED BANK
Feb 3, 2020	Deed, Transfer · Conventional Mortgage JP MORGAN CHASE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 3, 2020 · Amount on Record
Deed Sale	Feb 3, 2020 · Amount on Record
Deed Document Number	20202164067
Deed Book / Page	608 / 344
Record Updated	Oct 29, 2026

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROANE WV
Property Address	1950 RIPLEY RD, SPENCER, WV 25276
Transaction Type	Mortgage
Record Updated	Dec 1, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000352/342
Date	Jul 30, 2019
Book Page	352/342
Instrument	2158945

Lender

Name	POCA VALLEY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2049

Interest

Rate Type	Fixed Rate

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROANE WV
Property Address	1950 RIPLEY RD, SPENCER, WV 25276
Transaction Type	Mortgage
Record Updated	Dec 1, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000338/161
Date	Jan 31, 2017
Book Page	338/161
Instrument	2138099

Lender

Name	UNITED BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2047

Interest

Rate Type	Fixed Rate

February 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	ROANE WV
Recording Date	Feb 3, 2020
Property Address	1950 RIPLEY RD, SPENCER, WV 25276
Document Number	000608/344
Book / Page	608 / 344
Map Reference	DB 307 PG 149
Instrument Date	Jan 31, 2020
Instrument	2164067
Transaction Type	Transfer
Record Updated	Dec 1, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,193.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000355/232
Date	Feb 3, 2020
Book Page	355/232
Instrument	2164068

Lender

Name	JP MORGAN CHASE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 1, 2035

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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	$1,156.00 (+5.38%)	$132,060 (+5.77%) Land $12,720 Building $119,340	$220,100 (+5.77%) Land $21,200 Building $198,900
2025	$1,097.00 (+4.98%)	$124,860 (+6.23%) Land $12,060 Building $112,800	$208,100 (+6.23%) Land $20,100 Building $188,000
2023	$1,045.00 (+0.87%)	$117,540 (+1.71%) Land $11,160 Building $106,380	$195,900 (+1.71%) Land $18,600 Building $177,300
2022	$1,036.00	$115,560 Land $10,680 Building $104,880	$192,600 Land $17,800 Building $174,800

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

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	1 in force

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	Direct burnable vegetation

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 25 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: Optimum, Verizon.

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