405 Central Ave, Spencer, WV 25276 Property Records

Roane County property record for 405 Central Ave, Spencer, WV 25276

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 853 sqft · built 1959
Lot Size	0.073 acres (3,180 sqft)
Owner	Individual Name on Record
Tax Bill	$352 (2026)
Deeds & Mortgages	Mar 2021 Sale
Flood Zone	Zone AE (high risk)
APN	`08-2-0038.0000`

Property Details

APN / Parcel Number

Primary APN	`08-2-0038.0000`
Alternative APNs	`44-08-0002-0038-0000` `4408 2003800000000` `44-08-2-0038.0000` `85522801`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	853 sqft Living Area
1st Floor Area	1,706 sqft

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Architectural Style	Conventional
Exterior Material	Brick/Stone
Construction Type	Frame
Foundation Type	Raised
Lot Area	3,180 sqft (0.073 acres)
Lot Dimensions	80 ft deep x 40 ft wide
Porch	Porch
Porch Area	72 sqft
Patio Area	15 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	85522801
Street Address	405 CENTRAL AVE
City	SPENCER
State	WV
Zip	25276-1205
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT LOTS 13-14 FAIRGROUND
Legal Lot Number	13,14
Jurisdiction	ROANE WV
Township / Civil Division	II
Census Block Group	1
Census Block	1014
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	PO BOX 1204, SPENCER, WV 25276-0638
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

March 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	ROANE WV
Recording Date	Mar 29, 2021
Property Address	405 CENTRAL AVE, SPENCER, WV 25276-1205
Document Number	000619/544
Book / Page	619 / 544
Map Reference	PB 1 PG 172
Instrument Date	Mar 29, 2021
Instrument	2174693
Transaction Type	Transfer
Record Updated	Dec 22, 2022

Transaction

Amount	Amount Recorded
Tax	$246.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1204, SPENCER, WV 25276-0638

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	$352.00 (+8.31%)	$31,620 (+9.56%) Land $8,400 Building $23,220	$52,700 (+9.56%) Land $14,000 Building $38,700
2025	$325.00 (+6.56%)	$28,860 (+7.61%) Land $7,140 Building $21,720	$48,100 (+7.61%) Land $11,900 Building $36,200
2023	$305.00 (+1.67%)	$26,820 (+2.29%) Land $4,860 Building $21,960	$44,700 (+2.29%) Land $8,100 Building $36,600
2022	$300.00	$26,220 Land $4,860 Building $21,360	$43,700 Land $8,100 Building $35,600

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 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.

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