897 Laurel Fork Rd, Spencer, WV 25276 Property Records

Roane County property record for 897 Laurel Fork Rd, Spencer, WV 25276

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 1,904 sqft · built 2017
Lot Size	71 acres (3,092,760 sqft)
Owner	Individual Name on Record
Last Sale	$162,000 (May 2020)
Tax Bill	$984 (2025)
Deeds & Mortgages	May 2020 Mortgage Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-16-0015.0000`

Property Details

APN / Parcel Number

Primary APN	`06-16-0015.0000`
Alternative APNs	`44-06-0016-0015-0000` `4406 16001500000000` `44-06-16-0015.0000` `63178301`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,904 sqft Living Area
1st Floor Area	1,904 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Raised
Lot Area	3,092,760 sqft (71 acres)
Terrain	Above Road/Slope
Porch	Porch
Porch Area	224 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	63178301
Old Parcel Number	4406 16001500000000
Street Address	897 LAUREL FORK RD
City	SPENCER
State	WV
Zip	25276-6856
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	71 SUR LAUREL
Jurisdiction	ROANE WV
Township / Civil Division	III
Census Block Group	1
Census Block	1016
Census Tract	963100

Owner

Source: Roane County records, as of November 28, 2025

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
Co-owner	Co-owner on Record
Mailing Address	897 LAUREL FORK RD, SPENCER, WV 25276-6856
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 27, 2020	Deed of Trust, Mortgage · FHA Mortgage LIBERTY HOME MORTGAGE
Apr 20, 2021	Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW LOAN SERVICING LLC
May 27, 2020	Deed, Transfer · FHA Mortgage LIBERTY HOME MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 27, 2020 · Amount on Record
Deed Sale	May 27, 2020 · Amount on Record
Deed Document Number	2166284
Deed Book / Page	609 / 492
Record Updated	Jun 8, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROANE WV
Property Address	897 LAUREL FORK RD, SPENCER, WV 25276-6837
Transaction Type	Mortgage
Record Updated	Oct 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000356/607
Date	May 27, 2020
Book Page	356/607
Instrument	2166285

Lender

Name	LIBERTY HOME MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2050

Interest

Rate Type	Fixed Rate

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROANE WV
Property Address	897 LAUREL FORK RD, SPENCER, WV 25276-6837
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000362/324
Date	Apr 20, 2021
Book Page	362/324
Instrument	2175570

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2051

Interest

Rate Type	Fixed Rate

May 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	ROANE WV
Recording Date	May 27, 2020
Property Address	897 LAUREL FORK RD, SPENCER, WV 25276-6837
Document Number	000609/492
Book / Page	609 / 492
Map Reference	DB 538 PG 169
Instrument Date	Mar 27, 2020
Instrument	2166284
Transaction Type	Transfer
Record Updated	Jun 13, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,247.40
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship

Mortgage

Document Number	356/607
Date	May 27, 2020
Book Page	356/607
Instrument	2166285

Lender

Name	LIBERTY HOME MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2050

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Roane County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$984.00 (+4.57%)	$112,020 (+5.84%) Land $46,260 Building $65,760	$186,700 (+5.84%) Land $77,100 Building $109,600
2023	$941.00 (+1.73%)	$105,840 (+2.56%) Land $42,720 Building $63,120	$176,400 (+2.56%) Land $71,200 Building $105,200
2022	$925.00	$103,200 Land $40,980 Building $62,220	$172,000 Land $68,300 Building $103,700

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

Flood

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 Policies	2 in force
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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 40% of the US · above 55% of West Virginia
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

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