224 3rd St, Spencer, WV 25276 Property Records

Roane County property record for 224 3rd St, Spencer, WV 25276 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 888 sqft · built 1945
Lot Size	0.201 acres (8,799 sqft)
Owner	Individual Name on File
Last Sale	$59,900 (Dec 2017)
Tax Bill	$136 (2025)
Deeds & Mortgages	Jan 2018 Mortgage Dec 2017 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`08-2-0022.0000`

Property Details

APN / Parcel Number

Primary APN	`08-2-0022.0000`
Alternative APNs	`44-08-0002-0022-0000` `44-08-2-0022.0000` `85518401`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	888 sqft Living Area
1st Floor Area	888 sqft

Exterior

Year Built	Built 1945
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	8,799 sqft (0.201 acres)
Lot Dimensions	110 ft deep x 80 ft wide
Porch	Porch
Porch Area	280 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	85518401
Street Address	224 3RD ST
City	SPENCER
State	WV
Zip	25276-1234
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 2 & 3 BLK D FAIRGROUND
Legal Block	D
Legal Lot Number	2,3 3
Jurisdiction	ROANE WV
Township / Civil Division	II
Census Block Group	1
Census Block	1014
Census Tract	963000

Owner

Source: Roane County records · APN 08-2-0022.0000

Assessment roll updated July 1, 2025 · Last verified December 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 File
Co-owner	Verified Secondary Owner
Mailing Address	224 3RD ST, SPENCER, WV 25276-1234
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 05, 2018	Deed of Trust, Mortgage · Conventional Mortgage POCA VALLEY BANK
Dec 26, 2017	Deed, Transfer · Conventional Mortgage POCA VALLEY BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 26, 2017 · Amount on Record
Deed Sale	Dec 26, 2017 · Amount on Record
Prior Sale	Sep 28, 2009 · Amount on Record
Deed Document Number	2146820
Deed Book / Page	564 / 35
Record Updated	Jun 08, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROANE WV
Property Address	224 3RD ST, SPENCER, WV 25276-1234
Transaction Type	Mortgage
Record Updated	Dec 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000343/421
Date	Jan 05, 2018
Book Page	343/421
Instrument	2147004

Lender

Name	POCA VALLEY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Jan 04, 2048

Interest

Rate Type	Fixed Rate

December 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	ROANE WV
Recording Date	Dec 26, 2017
Property Address	224 3RD ST, SPENCER, WV 25276-1234
Document Number	0000564/35
Book / Page	564 / 35
Map Reference	PB 1 PG 172
Instrument Date	Dec 22, 2017
Instrument	2146820
Transaction Type	Transfer
Record Updated	Dec 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$396.00
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	224 3RD ST, SPENCER, WV 25276-1234

Mortgage

Document Number	000343/308
Date	Dec 26, 2017
Book Page	343/308
Instrument	2146821

Lender

Name	POCA VALLEY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 04, 2048

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Roane County records · Assessment roll updated July 1, 2025 · Last verified December 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$136.00 (+38.78%) Homeowner's exemption	$32,100 (+11.92%) Land $9,240 Building $22,860	$53,500 (+11.92%) Land $15,400 Building $38,100
2023	$98.00 (+5.38%) Homeowner's exemption	$28,680 (+1.92%) Land $7,440 Building $21,240	$47,800 (+1.92%) Land $12,400 Building $35,400
2022	$93.00 Homeowner's exemption	$28,140 Land $7,440 Building $20,700	$46,900 Land $12,400 Building $34,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Roane County (54087C), updated March 2, 2012 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 540879630001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	Yes
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required (federally backed mortgages)
Nearby Flood Policies	6 in force
Nearby Flood Claims	28 (1997–2024)
Claims Outside the SFHA	3 of 28
Most Recent Claim	Apr 2024, river or lake flooding, Severe Storms, Flooding, Landslides, And Mudslides
Claims By Storm	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

Wildfire

Wildfire Risk	Low above 20% of the US · above 21% of West Virginia
Wildfire Likelihood	About 1 in 5,000 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 421 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Optimum Communications	Cable	940 / 35
Verizon	Fixed Wireless	300 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: T-Mobile USA. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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