221 3rd St, Spencer, WV 25276 Property Records

Roane County property record for 221 3rd St, Spencer, WV 25276

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 502 sqft · built 1900
Lot Size	0.101 acres (4,400 sqft)
Owner	Individual Name on Record
Last Sale	$47,000 (Jan 2024)
Tax Bill	$451 (2025)
Deeds & Mortgages	Jan 2024 Sale & Mortgage May 2019 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`08-2-0021.0000`

Property Details

APN / Parcel Number

Primary APN	`08-2-0021.0000`
Alternative APNs	`44-08-0002-0021-0000` `44-08-2-0021.0000` `85518201`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	502 sqft Living Area
1st Floor Area	502 sqft

Exterior

Year Built	Built 1900
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	4,400 sqft (0.101 acres)
Lot Dimensions	110 ft deep x 40 ft wide
Terrain	Low
Porch	Porch
Porch Area	60 sqft
Patio Area	80 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	85518201
Street Address	221 3RD ST
City	SPENCER
State	WV
Zip	25276-1233
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 7 BLK B FAIRGROUND
Legal Block	B
Legal Lot Number	7
Jurisdiction	ROANE WV
Township / Civil Division	II
Census Block Group	1
Census Block	1014
Census Tract	963000

Owner

Source: Roane County records, as of November 28, 2025

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
Co-owner	Co-owner on Record
Mailing Address	221 3RD ST, SPENCER, WV 25276-1233
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 12, 2024	Warranty Deed, Transfer · Conventional Mortgage THE POCA VALLEY BANK INC
May 21, 2019	Deed, Transfer · Conventional Mortgage POCA VALLEY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 12, 2024 · Amount on Record
Deed Sale	Jan 12, 2024 · Amount on Record
Prior Sale	May 21, 2019 · Amount on Record
Deed Document Number	2190895
Deed Book / Page	651 / 299
Record Updated	Jun 8, 2026

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROANE WV
Recording Date	Jan 12, 2024
Property Address	221 3RD ST, SPENCER, WV 25276-1233
Document Number	000651/299
Book / Page	651 / 299
Instrument Date	Jan 8, 2024
Instrument	2190895
Transaction Type	Transfer
Record Updated	Jan 31, 2024
Title Company	BESTITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$258.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	221 3RD ST, SPENCER, WV 25276-1233

Mortgage

Document Number	0002190896
Date	Jan 12, 2024
Instrument	2190896

Lender

Name	THE POCA VALLEY BANK INC
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 11, 2054

Interest

Rate Type	Adjustable Rate
Rate	7.1%
Type Change Date	Jan 11, 2031
Change Frequency	Annually
Min Rate At Change	5.1%
Max Rate At Change	9.1%
Index	1-Year T-Bill
Max Rate	12.1%

May 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	ROANE WV
Recording Date	May 21, 2019
Property Address	221 3RD ST, SPENCER, WV 25276-1233
Document Number	0000588/72
Book / Page	588 / 72
Map Reference	DB 524 PG 371
Instrument Date	May 21, 2019
Instrument	2157600
Transaction Type	Transfer
Record Updated	Jun 13, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$346.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	221 3RD ST, SPENCER, WV 25276-1233

Mortgage

Document Number	000351/356
Date	May 21, 2019
Book Page	351/356
Instrument	2157601

Lender

Name	POCA VALLEY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 21, 2049

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Roane County assessment roll, as of July 1, 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
2025	$451.00 (+11.91%)	$19,980 (+12.88%) Land $7,140 Building $12,840	$33,300 (+12.88%) Land $11,900 Building $21,400
2023	$403.00 (+1%)	$17,700 (+1.72%) Land $5,760 Building $11,940	$29,500 (+1.72%) Land $9,600 Building $19,900
2022	$399.00	$17,400 Land $5,760 Building $11,640	$29,000 Land $9,600 Building $19,400

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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