215 3rd St, Spencer, WV 25276 Property Records

Roane County property record for 215 3rd St, Spencer, WV 25276

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,398 sqft · built 1961
Lot Size	0.152 acres (6,621 sqft)
Owner	Individual Name on Record
Tax Bill	$1,446 (2026)
Deeds & Mortgages	Mar 2026 Line of Credit Oct 2025 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`08-2-0047.0000`

Property Details

APN / Parcel Number

Primary APN	`08-2-0047.0000`
Alternative APNs	`44-08-0002-0047-0000` `4408 2004700000000` `44-08-2-0047.0000` `85525201`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,398 sqft Living Area
1st Floor Area	2,796 sqft

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Raised
Lot Area	6,621 sqft (0.152 acres)
Lot Dimensions	110 ft deep x 60 ft wide
Terrain	Low
Garage Area	456 sqft
Porch	Porch
Porch Area	162 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	85525201
Street Address	215 3RD ST
City	SPENCER
State	WV
Zip	25276-1233
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 PT LOT 4 FAIRGROUND (RENTAL)
Legal Subdivision	FAIRGROUND PARK ADDITION
Legal Lot Number	3,4
Jurisdiction	ROANE WV
Township / Civil Division	II
Census Block Group	1
Census Block	1014
Census Tract	963000

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	211 3RD ST, SPENCER, WV 25276-1233
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 13, 2026	Deed of Trust, Mortgage · Line of Credit PEOPLES BANK
Oct 7, 2025	Deed, Transfer · FHA Mortgage VICTORIAN FINANCE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	May 5, 2025
Transfer Doc	0002200403
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROANE WV
Property Address	215 3RD ST, SPENCER, WV 25276-1233
Transaction Type	Mortgage
Record Updated	Apr 1, 2026
Title Company	CORPORATE SETTLEMENTS, CORPORATE SETTLEMENT SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	215 3RD ST, SPENCER, WV 25276-1233

Mortgage

Document Number	000388/310
Date	Mar 13, 2026
Book Page	388/310
Instrument	2205215

Lender

Name	PEOPLES BANK
Type	Bank
Address	130 RIPLEY RD, SPENCER, WV 25276

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Change Frequency	Monthly

October 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	ROANE WV
Recording Date	Oct 7, 2025
Property Address	215 3RD ST, SPENCER, WV 25276-1233
Document Number	0000685/60
Book / Page	685 / 60
Instrument Date	Sep 30, 2025
Instrument	2202923
Transaction Type	Transfer
Record Updated	Oct 21, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$352.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	215 3RD ST, SPENCER, WV 25276-1233

Mortgage

Document Number	000386/548
Date	Oct 7, 2025
Book Page	386/548
Instrument	2202924

Lender

Name	VICTORIAN FINANCE LLC
Type	Mortgage Company
Address	2570 BOYCE PLAZA RD, PITTSBURGH, PA 15241

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Oct 1, 2050

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	$1,446.00 (+5.32%)	$64,920 (+6.71%) Land $3,060 Building $61,860	$108,200 (+6.71%) Land $5,100 Building $103,100
2025	$1,373.00 (+6.93%)	$60,840 (+4.97%) Land $3,060 Building $57,780	$101,400 (+4.97%) Land $5,100 Building $96,300
2024	$1,284.00 (-0.31%)	$57,960 (+2.55%) Land $2,940 Building $55,020	$96,600 (+2.55%) Land $4,900 Building $91,700
2023	$1,288.00 (+0.47%)	$56,520 (+1.07%) Land $2,820 Building $53,700	$94,200 (+1.07%) Land $4,700 Building $89,500
2022	$1,282.00	$55,920 Land $2,820 Building $53,100	$93,200 Land $4,700 Building $88,500

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	Yes
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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 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.

Nearby Properties on 3rd St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures