Roane County property record for 522 Clay Rd, Spencer, WV 25276
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,850 sqft · built 2003 |
| Lot Size | 1.04 acres (45,302 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,202 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-28-0001.0006 |
| Primary APN | 07-28-0001.0006 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,850 sqft Living Area |
| 1st Floor Area | 3,700 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Ranch |
| Construction Type | Frame |
| Lot Area | 45,302 sqft (1.04 acres) |
| Terrain | Above Road/Slope |
| Garage Area | 575 sqft |
| Porch | Porch |
| Porch Area | 200 sqft |
| Patio Area | 20 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 74448501 |
|---|---|
| Street Address | 522 CLAY RD |
| City | SPENCER |
| State | WV |
| Zip | 25276-6909 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 1.04 SUR SPRING CREEK |
| Legal Subdivision | SUR SPRING CREEK |
| Jurisdiction | ROANE WV |
| Township / Civil Division | II |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 962902 |
522 Clay Rd is owned and occupied by an individual who acquired it in February 2023.
Source: Roane County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 522 CLAY RD, SPENCER, WV 25276-6909 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Feb 8, 2023 |
| Transfer Doc | 0002186701 |
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 522 Clay Rd was $1,202 with a homeowner's exemption, up 7.5% 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 | $1,202.00 (+7.51%) | $157,380 (+6.89%) Land $15,300 Building $142,080 | $262,300 (+6.89%) Land $25,500 Building $236,800 |
| 2025 | $1,118.00 Homeowner's exemption | $147,240 Land $14,460 Building $132,780 | $245,400 Land $24,100 Building $221,300 |
| 2023 | $1,051.00 (+0.96%) Homeowner's exemption | $138,120 (+1.45%) Land $13,380 Building $124,740 | $230,200 (+1.45%) Land $22,300 Building $207,900 |
| 2022 | $1,041.00 Homeowner's exemption | $136,140 Land $12,840 Building $123,300 | $226,900 Land $21,400 Building $205,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 522 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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 522 Clay Rd is low, with a 0.03% 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 | 0.03% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CLOVER PSD serves 976 people · EPA ID WV3304409 |
|---|---|
| Water Source | Purchased surface water from SPENCER WATER DEPT |
| Last State Inspection | Nov 2023 |
| Lead | 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | Haloacetic acids resolved · Jul 2019 Total trihalomethanes resolved · Jul 2017 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 7 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 14 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
May also be available: AT&T, Frontier, Optimum.
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