2576 Ripley Rd, Spencer, WV 25276 Property Records

Roane County property record for 2576 Ripley Rd, Spencer, WV 25276

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,092 sqft · built 2001
Lot Size	38.4 acres (1,675,318 sqft)
Owner	Individual Name on Record
Last Sale	$35,000 (May 2022)
Tax Bill	$894 (2026)
Deeds & Mortgages	Jul 2020 Mortgage Mar 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-9-0021.0002`

Property Details

APN / Parcel Number

Primary APN	`01-9-0021.0002`
Alternative APNs	`44-01-0009-0021-0002` `4401 9002100020000` `44-01-9-0021.0002` `10096501`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,092 sqft Living Area
1st Floor Area	2,184 sqft
Game Room	Game Room

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Conventional
Exterior Material	Brick/Stone
Construction Type	Frame
Lot Area	1,675,318 sqft (38.4 acres)
Terrain	Rolling
Garage Area	360 sqft
Porch	Porch
Porch Area	48 sqft
Patio Area	900 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	10096501
Street Address	2576 RIPLEY RD
City	SPENCER
State	WV
Zip	25276-8778
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	38.46 SUR 1/4 OG TUCKERS RUN
Legal Subdivision	TUCKERS RUN
Jurisdiction	ROANE WV
Township / Civil Division	I
Census Block Group	1
Census Block	1004
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	2576 RIPLEY RD, SPENCER, WV 25276-8778
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 6, 2020	Deed of Trust, Mortgage · VA Mortgage BARRINGTON BANK & TRUST CO NA
Mar 28, 2022	Deed of Trust, Mortgage · VA Mortgage BARRINGTON BANK & TRUST CO NA
Sep 15, 2025	Deed of Trust, Mortgage · VA Mortgage WEST CAPITAL LENDING INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 24, 2022 · Amount on Record
Deed Sale	May 24, 2022 · Amount on Record
Deed Document Number	20222182369
Deed Book / Page	630 / 390
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROANE WV
Property Address	2576 RIPLEY RD, SPENCER, WV 25276-8778
Transaction Type	Mortgage
Record Updated	Dec 1, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000357/468
Date	Jul 6, 2020
Book Page	357/468
Instrument	2166926

Lender

Name	BARRINGTON BANK & TRUST CO NA
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2050

Interest

Rate Type	Fixed Rate

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROANE WV
Property Address	2576 RIPLEY RD, SPENCER, WV 25276-8778
Transaction Type	Mortgage
Record Updated	Dec 1, 2025
Title Company	ELEVATED TITLE LLC, ELEVATED TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000369/172
Date	Mar 28, 2022
Book Page	369/172
Instrument	2181560

Lender

Name	BARRINGTON BANK & TRUST CO NA
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2052

Interest

Rate Type	Fixed Rate

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROANE WV
Property Address	2576 RIPLEY RD, SPENCER, WV 25276-8778
Transaction Type	Mortgage
Record Updated	Dec 1, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2576 RIPLEY RD, SPENCER, WV 25276-8778

Mortgage

Document Number	000386/245
Date	Sep 15, 2025
Book Page	386/245
Instrument	2202313

Lender

Name	WEST CAPITAL LENDING INC
Type	Mortgage Company
Address	24 EXECUTIVE PARK STE 250, IRVINE, CA 92614

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

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	$894.00 (+7.84%)	$122,120 (+6.77%) Land $34,400 Building $87,720	$203,533 (+6.95%) Land $57,333 Building $146,200
2025	$829.00 (+7.24%) Homeowner's exemption Disabled Person's exemption	$114,380 (+6.96%) Land $32,420 Building $81,960	$190,300 (+6.97%) Land $53,700 Building $136,600
2023	$773.00 (+5.31%) Homeowner's exemption Disabled Person's exemption	$106,940 (+4.95%) Land $30,020 Building $76,920	$177,900 (+4.96%) Land $49,700 Building $128,200
2022	$734.00 Homeowner's exemption Disabled Person's exemption	$101,900 Land $26,900 Building $75,000	$169,500 Land $44,500 Building $125,000

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 80% of the US · lower than 79% of West Virginia
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Frontier DSL	10 / 1

Cell Coverage

5G (outdoors only) and 4G LTE

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