905 Colt Rdg, Spencer, WV 25276 Property Records

Roane County property record for 905 Colt Rdg, Spencer, WV 25276

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,294 sqft · built 1900
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on Record
Last Sale	$85,000 (Mar 2020)
Tax Bill	$436 (2026)
Deeds & Mortgages	Mar 2020 Mortgage Jan 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-16-0094.0001`

Property Details

APN / Parcel Number

Primary APN	`07-16-0094.0001`
Alternative APNs	`44-07-0016-0094-0001` `4407 16009400010000` `44-07-16-0094.0001` `74192501`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,294 sqft Living Area
1st Floor Area	2,074 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	43,560 sqft (1 acres)
Terrain	Above Road/Slope
Porch	Porch
Porch Area	182 sqft
Patio Area	56 sqft

Utilities, Heating & Cooling

Heating System	HVAC
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	74192501
Street Address	905 COLT RDG
City	SPENCER
State	WV
Zip	25276-7805
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1 SUR COLT RUN
Legal Subdivision	SUR COLT RUN
Jurisdiction	ROANE WV
Township / Civil Division	I
Census Block Group	1
Census Block	1062
Census Tract	962800

Owner

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	905 COLT RDG, SPENCER, WV 25276-7805
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
Mar 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage POCA VALLEY BANK
Jan 25, 2021	Deed, Transfer · Conventional Mortgage POCA VALLEY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 30, 2020 · Amount on Record
Deed Sale	Mar 30, 2020 · Amount on Record
Prior Sale	Jul 3, 2006 · Amount on Record
Deed Document Number	20202165485
Deed Book / Page	609 / 82
Record Updated	Oct 29, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROANE WV
Property Address	905 COLT RDG, SPENCER, WV 25276-7805
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000356/143
Date	Mar 30, 2020
Book Page	356/143
Instrument	2165486

Lender

Name	POCA VALLEY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2050

Interest

Rate Type	Fixed Rate

January 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	ROANE WV
Recording Date	Jan 25, 2021
Property Address	905 COLT RDG, SPENCER, WV 25276-7805
Document Number	000618/710
Book / Page	618 / 710
Map Reference	DB 225 PG 569
Instrument Date	Jan 22, 2021
Instrument	2172718
Transaction Type	Transfer
Record Updated	Jun 13, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$731.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000361/18
Date	Jan 25, 2021
Book Page	361/18
Instrument	2172719

Lender

Name	POCA VALLEY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 15, 2051

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Roane County assessment roll, as of December 2, 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
2026	$436.00 (+6.6%)	$49,860 (+6.95%) Land $11,700 Building $38,160	$83,100 (+6.95%) Land $19,500 Building $63,600
2025	$409.00 (+6.51%)	$46,620 (+7.77%) Land $10,980 Building $35,640	$77,700 (+7.77%) Land $18,300 Building $59,400
2023	$384.00 (+1.86%)	$43,260 (+2.85%) Land $10,140 Building $33,120	$72,100 (+2.85%) Land $16,900 Building $55,200
2022	$377.00	$42,060 Land $9,780 Building $32,280	$70,100 Land $16,300 Building $53,800

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.

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
Flood Insurance Cost	Premium on Record median of 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	26 (1978–2024)
Claims Outside the SFHA	2 of 26
Most Recent Claim	Apr 2024 · Severe Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms And Flooding, Jun 2013 · 2 claims Flooding, Severe Storms, And Landslides, Feb 2000 · 6 claims

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	Low lower than 80% of the US · lower than 79% of West Virginia
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Frontier DSL	10 / 1

May also be available: AT&T, Optimum.

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