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Single Family ResidenceResidential
$53,810$46 / 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 73How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026

190 WATER ST

SPENCER, WV 25276
2
Beds
1
Baths
1,172 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.
0.71 ac
Lot SizeThe size of the land the home sits on, from county records.
1954
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
4
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$54K
$39K low$68K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$245 (2026)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$28,020 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$8,580
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$19,440
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$26,760
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$46,700

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.57
80
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
21
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
77
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
90
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
18
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.72 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.0.71
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
HeatingThe type of heating system 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.Porch · 120 ft²

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

M
Spencer Middle SchoolD
Middle · Grades 5–8 · 0.5 mi
E
Spencer Elementary SchoolD+
Elementary · Grades PK–4 · 0.9 mi
H
Roane County High SchoolC-
High · Grades 9–12 · 1.9 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%

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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

190 Water St 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 84% of homes in Roane County
  • Costs less per square foot than 89% of homes in Roane County
  • Smaller than 70% of homes in Spencer 25276
  • Has a smaller lot than 72% of homes in Roane County
  • Older than 66% of homes in Roane County

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
$26K$439K

This home is worth more than 17% 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$53,810
CheaperTypical $115,699Pricier

Pricier than 17% of homes nearby

Price per ft²$46
CheaperTypical $85Pricier

Pricier than 14% of homes nearby

Living area1,172 ft²
SmallerTypical 1,476 ft²Bigger

Bigger than 30% of homes nearby

Lot size0.71 ac
SmallerTypical 1.05 acBigger

Bigger than 42% of homes nearby

Year built1954
OlderTypical 1969Newer

Newer than 36% of homes nearby

How 190 Water St ranks against every home in each area.
MeasureThis homeSpencer 25276Roane County
Estimated valuepricier than$53,81017% of homes16% of homes
Price per ft²pricier than$4614% of homes11% of homes
Living areabigger than1,172 ft²30% of homes31% of homes
Lot sizebigger than0.71 ac42% of homes28% of homes
Year builtnewer than195436% of homes34% of homes

About 190 Water St

How much is 190 Water St, Spencer, WV worth?

The TopHap Estimate for 190 Water St, Spencer, WV is $53,810 as of Sep 24, 2026. The likely range is $39,322 to $68,298. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 190 Water St, Spencer, WV last sell?

190 Water St, Spencer, WV last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 190 Water St, Spencer, WV?

190 Water St, Spencer, WV has 2 bedrooms, 1 bathrooms, 1,172 square feet of living space and a 0.71-acre lot.

When was 190 Water St, Spencer, WV built?

190 Water St, Spencer, WV was built in 1954, making it 72 years old. It is a conventional home. The building has 1 story.

What schools serve 190 Water St, Spencer, WV?

190 Water St, Spencer, WV is assigned to Spencer Middle School (middle), rated D; Spencer Elementary School (elementary), rated D+; Roane County High School (high), rated C-. All sit in Roane County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 190 Water St, Spencer, WV compare to other homes in Spencer 25276?

Among the 3,431 homes in Spencer 25276, it is worth more than 17% of them ($53,810 against a typical $115,699), its price per square foot is higher than 14% of them ($46 against a typical $85), it is bigger than 30% of them (1,172 ft² against a typical 1,476 ft²), its lot is bigger than 42% of them (0.71 ac against a typical 1.05 ac) and it is newer than 36% of them (1954 against a typical 1969). Measured against all of Roane County, it is worth more than 16% 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 190 Water St, Spencer, WV?

The 2026 property tax bill for 190 Water St, Spencer, WV was $245. The county assessed it at $28,020.

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