55 Spencer Way, Summit Point, WV 25446 Property Records

Jefferson County property record for 55 Spencer Way, Summit Point, WV 25446

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 3,476 sqft · built 2016
Lot Size	3.9 acres (169,884 sqft)
Owner	2 Individual Names on File
Last Sale	$301,020 (Aug 2016)
Tax Bill	$3,939 (2026)
Deeds & Mortgages	Aug 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-15-0003.0026`

Property Details

APN / Parcel Number

Primary APN	`06-15-0003.0026`
Alternative APN	`19-06-15-0003.0026`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	3,476 sqft Living Area
1st Floor Area	3,934 sqft
Family Room	Family Room

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Lot Area	169,884 sqft (3.9 acres)
Terrain	Rolling

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	55 SPENCER WAY
City	SUMMIT POINT
State	WV
Zip	25446-3003
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	#12 SUMMIT VIEW ESTATES
Legal Subdivision	SUMMIT VIEW ESTATES
Jurisdiction	JEFFERSON WV
Township / Civil Division	MIDDLEWAY
Census Block Group	4
Census Block	4007
Census Tract	972800

Owner

55 Spencer Way is owned and occupied by two individuals who bought it in August 2016.

Source: Jefferson County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	55 SPENCER WAY, SUMMIT POINT, WV 25446-3003
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 10, 2016 · Amount on File
Deed Sale	Aug 10, 2016 · Amount on File
Prior Sale	Aug 13, 2010 · Amount on File
Deed Document Number	201636443
Deed Book / Page	1177 / 712
Record Updated	Oct 29, 2026

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	JEFFERSON WV
Recording Date	Aug 30, 2018
Property Address	55 SPENCER WAY, SUMMIT POINT, WV 25446-3003
Document Number	0000010334
Book / Page	001212 / 000300
Instrument Date	Aug 29, 2018
Instrument	10334
Transaction Type	Transfer
Record Updated	Sep 26, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,540.34
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	121 BRITTANY LN SUMMIT POINT WV 254463690, SUMMIT POINT, WV 25446-3690

Mortgage

Document Number	10335
Date	Aug 30, 2018
Book Page	002196/000678
Instrument	10335

Lender

Name	BANK OF CHARLESTOWN
Type	Bank
Address	CHARLES TOWN, WV 25414

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Aug 29, 2033

Tax Assessment & Valuation

The 2026 property tax bill for 55 Spencer Way was $3,939, up 3.2% from the year before.

Source: Jefferson County assessment roll, as of November 14, 2025

Property Jurisdictions

Type	Name
State	West Virginia
County	Jefferson County
Unified School District	Jefferson County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,939.00 (+3.17%)	$341,600 (+3.96%) Land $97,600 Building $244,000	$569,333 (+3.95%) Land $162,667 Building $406,667
2025	$3,818.00	$328,600 Land $82,100 Building $246,500	$547,700 Land $136,800 Building $410,900
2023	$3,563.00 (+11.59%)	$305,100 (+13.84%) Land $78,700 Building $226,400	$508,400 (+13.84%) Land $131,100 Building $377,300
2022	$3,193.00	$268,000 Land $68,400 Building $199,600	$446,600 Land $114,000 Building $332,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 55 Spencer Way in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 23, 2024 · 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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	2 in force

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

Wildfire risk around 55 Spencer Way is low, with a 0.01% 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	0.01% annual chance
Exposure	Direct burnable vegetation

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 21 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20