22 Summit Ln, Spencer, WV 25276 Property Records

Roane County property record for 22 Summit Ln, Spencer, WV 25276

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,868 sqft · built 1979
Lot Size	0.325 acres (14,157 sqft)
Owner	Individual Name on Record
Tax Bill	$628 (2026)
Deeds & Mortgages	May 2026 Mortgage Jul 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-1-0185.0000`

Property Details

APN / Parcel Number

Primary APN	`08-1-0185.0000`
Alternative APNs	`44-08-0001-0185-0000` `4408 1018500000000` `44-08-1-0185.0000` `85506201`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,868 sqft Living Area
1st Floor Area	3,196 sqft

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	14,157 sqft (0.325 acres)
Lot Dimensions	119 ft deep x 100 ft wide
Terrain	Rolling
Patio Area	636 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	85506201
Street Address	22 SUMMIT LN
City	SPENCER
State	WV
Zip	25276-1158
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2ND ST GREEN ACRES (.33 AC)
Jurisdiction	ROANE WV
Township / Civil Division	I
Census Block Group	3
Census Block	3014
Census Tract	963000

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	22 SUMMIT LN, SPENCER, WV 25276-1158
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
May 18, 2026	Quit Claim Deed, Transfer · FHA Mortgage FREEDOM MORTGAGE CORPORATION
Jul 22, 2022	Deed, Transfer · Conventional Mortgage POCA VALLEY BANK
Dec 31, 2019	Deed, Transfer · VA Mortgage USAA FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 18, 2026
Deed Sale	May 18, 2026
Prior Sale	Jul 22, 2022 · Amount on Record
Deed Document Number	20262205974
Deed Book / Page	696 / 574
Prior Transfer Date	Apr 30, 2026
Prior Transfer Doc	0002205974
Record Updated	Oct 29, 2026

May 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ROANE WV
Recording Date	May 18, 2026
Property Address	22 SUMMIT LN, SPENCER, WV 25276-1158
Document Number	0002205974
Book / Page	696 / 574
Instrument Date	Apr 30, 2026
Instrument	20262205974
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 SUMMIT LN, SPENCER, WV 25276-1158

Mortgage

Document Number	0002205975,
Date	May 18, 2026
Instrument	20262205975

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.46%
Max Rate	-1%

July 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	ROANE WV
Recording Date	Jul 22, 2022
Property Address	22 SUMMIT LN, SPENCER, WV 25276-1158
Document Number	000632/687
Book / Page	632 / 687
Map Reference	DB 607 PG 702
Instrument Date	Jul 19, 2022
Instrument	2183049
Transaction Type	Transfer
Record Updated	Dec 1, 2025

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$577.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002183050
Date	Jul 22, 2022
Instrument	2183050

Lender

Name	POCA VALLEY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

Interest

Rate Type	Fixed Rate

December 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	ROANE WV
Recording Date	Dec 31, 2019
Property Address	22 SUMMIT LN, SPENCER, WV 25276-1158
Document Number	000607/702
Book / Page	607 / 702
Map Reference	DB 470 PG 170
Instrument Date	Dec 30, 2019
Instrument	2162967
Transaction Type	Transfer
Record Updated	Jun 13, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$539.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 SUMMIT LN, SPENCER, WV 25276-1158

Mortgage

Document Number	000354/585
Date	Dec 31, 2019
Book Page	354/585
Instrument	2162968

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Jan 1, 2050

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
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	$628.00 (+4.84%)	$56,340 (+6.1%) Land $6,960 Building $49,380	$93,900 (+6.1%) Land $11,600 Building $82,300
2025	$599.00 (+5.27%)	$53,100 (+6.37%) Land $6,960 Building $46,140	$88,500 (+6.37%) Land $11,600 Building $76,900
2023	$569.00 (+69.35%)	$49,920 (+1.09%) Land $6,480 Building $43,440	$83,200 (+1.09%) Land $10,800 Building $72,400
2022	$336.00 Homeowner's exemption Disabled Person's exemption	$49,380 Land $6,480 Building $42,900	$82,300 Land $10,800 Building $71,500

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (2013)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2013 · Severe Storms And Flooding

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	0.01% 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 188 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
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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