Roane County property record for 45 Clay Rd, Spencer, WV 25276
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,887 sqft · built 1956 |
| Lot Size | 0.648 acres (28,227 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $1,186 (2026) |
| Deeds & Mortgages | Dec 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-22C-0009.0000 |
| Primary APN | 07-22C-0009.0000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,887 sqft Living Area |
| 1st Floor Area | 3,774 sqft |
| Basement Area | 1,120 sqft |
| Finished Basement | 1,120 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1956 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Construction Type | Brick |
| Lot Area | 28,227 sqft (0.648 acres) |
| Lot Dimensions | 155 ft deep x 190 ft wide |
| Terrain | Above Road/Slope |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 165 sqft |
| Patio Area | 24 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 74672001 |
|---|---|
| Street Address | 45 CLAY RD |
| City | SPENCER |
| State | WV |
| Zip | 25276-6903 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 34-35 SPRING CREEK |
| Legal Subdivision | SPRING CREEK |
| Legal Lot Number | 34,35 |
| Jurisdiction | ROANE WV |
| Township / Civil Division | II |
| Census Block Group | 4 |
| Census Block | 4000 |
| Census Tract | 963000 |
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 | 45 CLAY RD, SPENCER, WV 25276-6903 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROANE WV |
| Property Address | 45 CLAY RD, SPENCER, WV 25276-6903 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2022 |
| Name | Verified Name |
|---|
| Document Number | 000354/487 |
|---|---|
| Date | Dec 20, 2019 |
| Book Page | 354/487 |
| Instrument | 2162793 |
| Name | POCA VALLEY BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 22, 2049 |
| Rate Type | Fixed Rate |
|---|
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 | $1,186.00 (+6.18%) | $135,540 (+6.56%) Land $8,820 Building $126,720 | $225,900 (+6.56%) Land $14,700 Building $211,200 |
| 2025 | $1,117.00 (+5.88%) | $127,200 (+7.23%) Land $8,820 Building $118,380 | $212,000 (+7.23%) Land $14,700 Building $197,300 |
| 2023 | $1,055.00 (+1.64%) | $118,620 (+2.44%) Land $8,580 Building $110,040 | $197,700 (+2.44%) Land $14,300 Building $183,400 |
| 2022 | $1,038.00 | $115,800 Land $8,580 Building $107,220 | $193,000 Land $14,300 Building $178,700 |
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.
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.
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.
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 |
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