Roane County property record for 814 Summit St, Spencer, WV 25276
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,456 sqft · built 1992 |
| Lot Size | 0.36 acres (15,682 sqft) |
| Owner | Individual Name on File |
| Last Sale | $145,000 (Jan 2022) |
| Tax Bill | $922 (2026) |
| Deeds & Mortgages | Nov 2023 Mortgage Jan 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-8-0045.0000 |
| Primary APN | 08-8-0045.0000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,456 sqft Living Area |
| 1st Floor Area | 2,912 sqft |
| Fireplaces | 2 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Construction Type | Brick |
| Foundation Type | Raised |
| Lot Area | 15,682 sqft (0.36 acres) |
| Lot Dimensions | 165 ft deep x 120 ft wide |
| Garage Area | 336 sqft |
| Porch | Porch |
| Porch Area | 96 sqft |
| Patio Area | 96 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 85747801 |
|---|---|
| Street Address | 814 SUMMIT ST |
| City | SPENCER |
| State | WV |
| Zip | 25276-1036 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 16 SECTION D GREEN ACRES |
| Legal Subdivision | GREEN ACRES ADD SUB |
| Legal Lot Number | 16 |
| Jurisdiction | ROANE WV |
| Township / Civil Division | I |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 963000 |
814 Summit St is owned and occupied by an individual who bought it in January 2022.
Source: Roane County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 814 SUMMIT ST, SPENCER, WV 25276-1036 |
| 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.
| Date | Document |
|---|---|
| Nov 2, 2023 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Jan 18, 2022 | Deed, Transfer · FHA Mortgage VICTORIAN FINANCE LLC |
| Feb 19, 2019 | Intrafamily Transfer, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 18, 2022 · Amount on File |
| Deed Sale | Jan 18, 2022 · Amount on File |
| Prior Sale | Jul 10, 2007 · Amount on File |
| Deed Document Number | 20222180139 |
| Deed Book / Page | 629 / 27 |
| Prior Transfer Date | Feb 15, 2019 |
| Prior Transfer Doc | 0000584/96 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROANE WV |
| Property Address | 814 SUMMIT ST, SPENCER, WV 25276-1036 |
| Transaction Type | Mortgage |
| Record Updated | Dec 4, 2023 |
| Title Company | MORTGAGE CONNECT LP |
| Name | Verified Name |
|---|---|
| Address | 814 SUMMIT ST, SPENCER, WV 25276-1036 |
| Document Number | 000377/438 |
|---|---|
| Date | Nov 2, 2023 |
| Book Page | 377/438 |
| Instrument | 2189864 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 339 Months |
| Due | Feb 1, 2052 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ROANE WV |
| Recording Date | Jan 18, 2022 |
| Property Address | 814 SUMMIT ST, SPENCER, WV 25276-1036 |
| Document Number | 0000629/27 |
| Book / Page | 629 / 27 |
| Map Reference | DB 449 PG 43 |
| Instrument Date | Jan 14, 2021 |
| Instrument | 2180139 |
| Transaction Type | Transfer |
| Record Updated | Jun 13, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,116.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 814 SUMMIT ST, SPENCER, WV 25276-1036 |
| Document Number | 000367/659 |
|---|---|
| Date | Jan 18, 2022 |
| Book Page | 367/659 |
| Instrument | 2180140 |
| Name | VICTORIAN FINANCE LLC |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2052 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ROANE WV |
| Recording Date | Feb 19, 2019 |
| Property Address | 814 SUMMIT ST, SPENCER, WV 25276-1036 |
| Document Number | 0000584/96 |
| Book / Page | 584 / 96 |
| Map Reference | DB 449 PG 43 |
| Instrument Date | Feb 15, 2019 |
| Instrument | 2155082 |
| Transaction Type | Transfer |
| Record Updated | Jun 13, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 814 SUMMIT ST, SPENCER, WV 25276-1036 |
The 2026 property tax bill for 814 Summit St was $922, up 4.3% from the year before.
Source: Roane County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | West Virginia |
| County | Roane County |
| Municipality | Spencer City |
| Unified School District | Roane County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $922.00 (+4.3%) | $82,740 (+5.59%) Land $15,540 Building $67,200 | $137,900 (+5.59%) Land $25,900 Building $112,000 |
| 2025 | $884.00 | $78,360 Land $15,540 Building $62,820 | $130,600 Land $25,900 Building $104,700 |
| 2023 | $841.00 (+38.32%) | $73,860 (+1.15%) Land $14,820 Building $59,040 | $123,100 (+1.15%) Land $24,700 Building $98,400 |
| 2022 | $608.00 Homeowner's exemption | $73,020 Land $14,820 Building $58,200 | $121,700 Land $24,700 Building $97,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 814 Summit St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2013.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 1 (2013) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jun 2013 · Severe Storms And Flooding |
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 814 Summit St 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: FCC Broadband Data Collection, based on 14 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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