Roane County property record for 41 Clay Rd, Spencer, WV 25276
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,778 sqft · built 1955 |
| Lot Size | 0.886 acres (38,594 sqft) |
| Owner | Individual Name on File |
| Last Sale | $134,000 (Jan 2017) |
| Tax Bill | $940 (2026) |
| Deeds & Mortgages | Sep 2017 Mortgage Jan 2017 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-22C-0011.0000 |
| Primary APN | 07-22C-0011.0000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,778 sqft Living Area |
| 1st Floor Area | 3,704 sqft |
| Basement Area | 926 sqft |
| Finished Basement | 926 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Architectural Style | Tri-Level |
| Construction Type | Frame |
| Lot Area | 38,594 sqft (0.886 acres) |
| Lot Dimensions | 200 ft deep x 211 ft wide |
| Terrain | Above Road/Slope |
| Porch | Porch |
| Porch Area | 216 sqft |
| Patio Area | 792 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 74672601 |
|---|---|
| Street Address | 41 CLAY RD |
| City | SPENCER |
| State | WV |
| Zip | 25276-6903 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 43-42 SPRING CREEK |
| Legal Subdivision | SPRING CREEK |
| Jurisdiction | ROANE WV |
| Township / Civil Division | II |
| Census Block Group | 4 |
| Census Block | 4000 |
| Census Tract | 963000 |
41 Clay Rd is owned and occupied by an individual who bought it in January 2017.
Source: Roane County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 41 CLAY RD, SPENCER, WV 25276-6903 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Ux (and Wife) |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 1, 2017 | Deed of Trust, Mortgage · Conventional Mortgage FIRST NEIGHBOR BANK NA |
| Jan 20, 2017 | Deed of Trust, Mortgage · Conventional Mortgage WV HOUSING DEV FUND |
| Jan 20, 2017 | Deed, Transfer · Conventional Mortgage WV HOUSING DEV FUND |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 20, 2017 · Amount on File |
| Deed Sale | Jan 20, 2017 · Amount on File |
| Prior Sale | Jun 2, 2010 · Amount on File |
| Deed Document Number | 20172137518 |
| Deed Book / Page | 545 / 647 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROANE WV |
| Property Address | 41 CLAY RD, SPENCER, WV 25276-6903 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2022 |
| Name | Verified Name |
|---|
| Document Number | 000341/427 |
|---|---|
| Date | Sep 1, 2017 |
| Book Page | 341/427 |
| Instrument | 2144555 |
| Name | FIRST NEIGHBOR BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Aug 31, 2037 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROANE WV |
| Property Address | 41 CLAY RD, SPENCER, WV 25276-6903 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2022 |
| Name | Verified Name |
|---|
| Document Number | 000337/721 |
|---|---|
| Date | Jan 20, 2017 |
| Book Page | 337/721 |
| Instrument | 2137520 |
| Name | WV HOUSING DEV FUND |
|---|---|
| Type | Government Agency |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Feb 1, 2032 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | ROANE WV |
| Recording Date | Jan 20, 2017 |
| Property Address | 41 CLAY RD, SPENCER, WV 25276-6903 |
| Document Number | 000545/647 |
| Book / Page | 545 / 647 |
| Map Reference | BK 2B PG 188 |
| Instrument Date | Dec 15, 2016 |
| Instrument | 2137518 |
| Transaction Type | Transfer |
| Record Updated | Dec 22, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Document Number | 000337/704 |
|---|---|
| Date | Jan 20, 2017 |
| Book Page | 337/704 |
| Instrument | 2137519 |
| Name | WV HOUSING DEV FUND |
|---|---|
| Type | Government Agency |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2047 |
| Rate Type | Fixed Rate |
|---|
The 2026 property tax bill for 41 Clay Rd was $940, up 6% from the year before.
Source: Roane County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | West Virginia |
| County | Roane County |
| Unified School District | Roane County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $940.00 (+5.98%) | $107,460 (+6.35%) Land $10,080 Building $97,380 | $179,100 (+6.35%) Land $16,800 Building $162,300 |
| 2025 | $887.00 | $101,040 Land $10,080 Building $90,960 | $168,400 Land $16,800 Building $151,600 |
| 2023 | $842.00 (+1.45%) | $94,680 (+2.27%) Land $9,780 Building $84,900 | $157,800 (+2.27%) Land $16,300 Building $141,500 |
| 2022 | $830.00 | $92,580 Land $9,780 Building $82,800 | $154,300 Land $16,300 Building $138,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 41 Clay Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 7 in force |
| Nearby Flood Claims | 23 (2000–2024) |
| Claims Outside the SFHA | 7 of 23 |
| Most Recent Claim | Apr 2024 · Severe Storms, Flooding, Landslides, And Mudslides |
| Claims by Event |
|
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 risk around 41 Clay Rd is low, with a 0.02% annual chance of 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 91 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Cable | 940 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures