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Single Family ResidenceResidential
$33,945$32 / 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 75How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026

646 BELL ST

SPENCER, WV 25276
2
Beds
1
Baths
1,077 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.
0.74 ac
Lot SizeThe size of the land the home sits on, from county records.
1900
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

$34K
$25K low$43K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$344 (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.$15,240 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$5,880
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$9,360
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$14,580
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$25,400

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.83 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.34%
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.1 percent flood zone

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.0.74
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 · 140 ft²

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

E
Spencer Elementary SchoolC-
Elementary · Grades PK–4 · 0.5 mi
M
Spencer Middle SchoolB-
Middle · Grades 5–8 · 0.6 mi
H
Roane County High SchoolF
High · Grades 9–12 · 1.7 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

646 Bell 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 94% of homes in Roane County
  • Costs less per square foot than 97% of homes in Roane County
  • Smaller than 77% of homes in Spencer 25276
  • Has a smaller lot than 72% of homes in Roane County
  • Older than 87% 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
$23K$433K

This home is worth more than 7% 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$33,945
CheaperTypical $115,113Pricier

Pricier than 7% of homes nearby

Price per ft²$32
CheaperTypical $85Pricier

Pricier than 5% of homes nearby

Living area1,077 ft²
SmallerTypical 1,475 ft²Bigger

Bigger than 23% of homes nearby

Lot size0.74 ac
SmallerTypical 1.07 acBigger

Bigger than 42% of homes nearby

Year built1900
OlderTypical 1970Newer

Newer than 13% of homes nearby

How 646 Bell St ranks against every home in each area.
MeasureThis homeSpencer 25276Roane County
Estimated valuepricier than$33,9457% of homes6% of homes
Price per ft²pricier than$325% of homes3% of homes
Living areabigger than1,077 ft²23% of homes24% of homes
Lot sizebigger than0.74 ac42% of homes28% of homes
Year builtnewer than190013% of homes13% of homes

About 646 Bell St

How much is 646 Bell St, Spencer, WV worth?

The TopHap Estimate for 646 Bell St, Spencer, WV is $33,945 as of Aug 30, 2026. The likely range is $25,296 to $42,594. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 646 Bell St, Spencer, WV last sell?

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

How big is 646 Bell St, Spencer, WV?

646 Bell St, Spencer, WV has 2 bedrooms, 1 bathrooms, 1,077 square feet of living space and a 0.74-acre lot.

When was 646 Bell St, Spencer, WV built?

646 Bell St, Spencer, WV was built in 1900, making it 126 years old. It is a conventional home. The building has 1 story.

What schools serve 646 Bell St, Spencer, WV?

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

How does 646 Bell St, Spencer, WV compare to other homes in Spencer 25276?

Among the 3,432 homes in Spencer 25276, it is worth more than 7% of them ($33,945 against a typical $115,113), its price per square foot is higher than 5% of them ($32 against a typical $85), it is bigger than 23% of them (1,077 ft² against a typical 1,475 ft²), its lot is bigger than 42% of them (0.74 ac against a typical 1.07 ac) and it is newer than 13% of them (1900 against a typical 1970). Measured against all of Roane County, it is worth more than 6% 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 646 Bell St, Spencer, WV?

The 2025 property tax bill for 646 Bell St, Spencer, WV was $344. The county assessed it at $15,240.

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