34 Oak Dr, Spencer, WV 25276 Property Records

Roane County property record for 34 Oak Dr, Spencer, WV 25276

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,152 sqft · built 1948
Lot Size	0.49 acres (21,344 sqft)
Owner	Individual Name on Record
Last Sale	$65,000 (Aug 2009)
Tax Bill	$456 (2026)
Deeds & Mortgages	Nov 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-16A-0001.0004`

Property Details

APN / Parcel Number

Primary APN	`07-16A-0001.0004`
Alternative APNs	`44-07-016A-0001-0004` `44-07-16A-0001.0004` `76000706`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,152 sqft Living Area
1st Floor Area	2,104 sqft

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Architectural Style	Conventional
Exterior Material	Other
Lot Area	21,344 sqft (0.49 acres)
Terrain	Rolling

Utilities, Heating & Cooling

Heating System	HVAC
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	76000706
Street Address	34 OAK DR
City	SPENCER
State	WV
Zip	25276-1056
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	21500 SQ FT (.49 AC) SUR OAK DR (PARCEL C)
Jurisdiction	ROANE WV
Township / Civil Division	I
Census Block Group	2
Census Block	2003
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	2374 CLAY RD, SPENCER, WV 25276-7770
Owner Type	Individual
Vesting	Et Al (and Others)

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 18, 2009 · Amount on Record
Deed Sale	Aug 18, 2009 · Amount on Record
Deed Document Number	20092072318
Deed Book / Page	463 / 235
Record Updated	Oct 29, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROANE WV
Recording Date	Nov 9, 2022
Property Address	34 OAK DR, SPENCER, WV 25276-1056
Document Number	000635/557
Book / Page	635 / 557
Map Reference	DB 463 PG 235
Instrument Date	Nov 7, 2022
Instrument	2184945
Transaction Type	Transfer
Record Updated	Dec 1, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$808.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002184946
Date	Nov 9, 2022
Instrument	2184946

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2052

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
Unified School District	Roane County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$456.00 (+5.56%)	$52,080 (+5.72%) Land $10,860 Building $41,220	$86,800 (+5.72%) Land $18,100 Building $68,700
2025	$432.00 (+5.37%)	$49,260 (+6.76%) Land $10,320 Building $38,940	$82,100 (+6.76%) Land $17,200 Building $64,900
2023	$410.00 (+1.23%)	$46,140 (+2.12%) Land $9,540 Building $36,600	$76,900 (+2.12%) Land $15,900 Building $61,000
2022	$405.00	$45,180 Land $9,120 Building $36,060	$75,300 Land $15,200 Building $60,100

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	2 in force
Nearby Flood Claims	4 (2003–2013)
Claims Outside the SFHA	3 of 4
Most Recent Claim	Jun 2013 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jun 2013 · 2 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	0.03% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SPENCER WATER DEPT serves 4,630 people · EPA ID WV3304405
Water Source	Surface water
Last State Inspection	Feb 2026
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 92 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35
Verizon Fixed Wireless	300 / 20