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Single Family ResidenceResidential
$96,698$71 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 78How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026

186 RUSTIC ACRES

SPENCER, WV 25276
3
Beds
2 / 1
Baths
1,368 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
3.13 ac
Lot SizeThe size of the land the home sits on, from county records.
1988
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
5
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$97K
$76K low$118K high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$96,698
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$77,358

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$433 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$69,240 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$16,140
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$53,100
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$66,300
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$115,400

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.64 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Conventional
CountyRoane
Lot (acres)The size of the land the home sits on, from county records.3.13
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Raised (Unspecified)
HeatingThe type of heating system in the home.Yes
CoolingThe type of cooling or air conditioning in the home.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Patio · 128 ft²

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

H
Roane County High SchoolF
High · Grades 9–12 · 1.4 mi
E
Spencer Elementary SchoolC-
Elementary · Grades PK–4 · 1.6 mi
M
Spencer Middle SchoolB-
Middle · Grades 5–8 · 1.8 mi

District: Roane County School District

Neighborhood · ZIP 25276These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.130
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.117
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.34

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.86%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.9.1%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.24%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.7,224
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.41 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$39,148
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$57,446
Average tempThe average temperature here across a full year.54°F
Annual precipHow much rain and melted snow falls here in a typical year.46 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.45%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

186 Rustic Acres measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 67% of homes in Roane County
  • Costs less per square foot than 77% of homes in Roane County
  • Has a bigger lot than 66% of homes in Spencer 25276
  • Newer than 75% of homes in Spencer 25276

What homes are worth in Spencer 25276

Each bar is how many homes fall in that price range. The marker is this home.

This home
$32K$478K

This home is worth more than 37% of homes in Spencer 25276.

How it measures up in Spencer 25276

The dot is this home. The mark in the middle is the typical home in Spencer 25276.

Estimated value$96,698
CheaperTypical $123,142Pricier

Pricier than 37% of homes nearby

Price per ft²$71
CheaperTypical $90Pricier

Pricier than 29% of homes nearby

Living area1,368 ft²
SmallerTypical 1,472 ft²Bigger

Bigger than 43% of homes nearby

Lot size3.13 ac
SmallerTypical 1.05 acBigger

Bigger than 66% of homes nearby

Year built1988
OlderTypical 1969Newer

Newer than 75% of homes nearby

How 186 Rustic Acres ranks against every home in each area.
MeasureThis homeSpencer 25276Roane County
Estimated valuepricier than$96,69837% of homes33% of homes
Price per ft²pricier than$7129% of homes23% of homes
Living areabigger than1,368 ft²43% of homes45% of homes
Lot sizebigger than3.13 ac66% of homes55% of homes
Year builtnewer than198875% of homes69% of homes

About 186 Rustic Acres

How much is 186 Rustic Acres, Spencer, WV worth?

The TopHap Estimate for 186 Rustic Acres, Spencer, WV is $96,698 as of Jul 14, 2026. The likely range is $75,827 to $117,569. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 186 Rustic Acres, Spencer, WV?

186 Rustic Acres, Spencer, WV has 3 bedrooms, 2 bathrooms, 1,368 square feet of living space and a 3.13-acre lot.

When was 186 Rustic Acres, Spencer, WV built?

186 Rustic Acres, Spencer, WV was built in 1988, making it 38 years old. It is a conventional home. The building has 1 story.

What schools serve 186 Rustic Acres, Spencer, WV?

186 Rustic Acres, Spencer, WV is assigned to Roane County High School (high), rated F; Spencer Elementary School (elementary), rated C-; Spencer Middle School (middle), rated B-. All sit in Roane County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 186 Rustic Acres, Spencer, WV compare to other homes in Spencer 25276?

Among the 3,432 homes in Spencer 25276, it is worth more than 37% of them ($96,698 against a typical $123,142), its price per square foot is higher than 29% of them ($71 against a typical $90), it is bigger than 43% of them (1,368 ft² against a typical 1,472 ft²), its lot is bigger than 66% of them (3.13 ac against a typical 1.05 ac) and it is newer than 75% of them (1988 against a typical 1969). Measured against all of Roane County, it is worth more than 33% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 186 Rustic Acres, Spencer, WV?

The 2025 property tax bill for 186 Rustic Acres, Spencer, WV was $433. The county assessed it at $69,240.

Closest homes

More homes in Spencer 25276

Assigned schools

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