108 Forest Dr, Ona, WV 25545 Property Records

Cabell County property record for 108 Forest Dr, Ona, WV 25545

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,966 sqft · built 1980
Lot Size	0.184 acres (8,015 sqft)
Owner	2 Individual Names on File
Last Sale	$282,500 (Jan 2022)
Tax Bill	$2,008 (2026)
Deeds & Mortgages	Apr 2021 Mortgage Jun 2014 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`01-9D-0012.0000`

Property Details

APN / Parcel Number

Primary APN	`01-9D-0012.0000`
Alternative APN	`06-01-9D-0012.0000`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,966 sqft Living Area
1st Floor Area	2,944 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	8,015 sqft (0.184 acres)
Lot Dimensions	100 ft deep x 80 ft wide
Terrain	Rolling

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	108 FOREST DR
City	ONA
State	WV
Zip	25545-9750
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 12 SHERWOOD ESTS #1 108 FOREST DR ONA
Legal Subdivision	SHERWOOD ESTS
Legal Lot Number	12
Jurisdiction	CABELL WV
Township / Civil Division	2
Census Block Group	2
Census Block	2004
Census Tract	10401

Owner

108 Forest Dr is owned and occupied by two individuals who bought it in January 2022.

Source: Cabell County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	108 FOREST DR, ONA, WV 25545-9750
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 15, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE
Jun 26, 2014	Deed of Trust, Mortgage · VA Mortgage EMBRACE HOME LOANS INC
Oct 5, 2011	Deed of Trust, Mortgage FRANKLIN AMERICAN MORTGAGE COMPANY
Jan 12, 2022	Warranty Deed, Transfer · Conventional Mortgage FIFTH THIRD BANK
May 24, 2010	Warranty Deed, Transfer DESCO FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 12, 2022 · Amount on File
Deed Sale	Jan 12, 2022 · Amount on File
Prior Sale	May 24, 2010 · Amount on File
Deed Document Number	20226121892
Deed Book / Page	1455 / 618
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABELL WV
Property Address	108 FOREST DR, ONA, WV 25545-9750
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002832/119
Date	Apr 15, 2021
Book Page	2832/119
Instrument	6092021

Lender

Name	FREEDOM MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2051

Interest

Rate Type	Fixed Rate

June 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABELL WV
Property Address	108 FOREST DR, ONA, WV 25545-9750
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	002535/200
Date	Jun 26, 2014
Book Page	2535/200

Lender

Name	EMBRACE HOME LOANS INC

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2044

October 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABELL WV
Property Address	108 FOREST DR, ONA, WV 25545-9750
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002400/545
Date	Oct 5, 2011
Book Page	2400/545

Lender

Name	FRANKLIN AMERICAN MORTGAGE COMPANY

Agreement

Amount	Amount on Record
Term	300 Months
Due	Oct 1, 2036

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CABELL WV
Recording Date	Jan 12, 2022
Property Address	108 FOREST DR, ONA, WV 25545-9750
Document Number	001455/618
Book / Page	1455 / 618
Map Reference	DB 1215 PG 645
Instrument Date	Jan 5, 2022
Instrument	6121892
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	BEST TITLE AGENCY, BESTITLE TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,553.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 FOREST DR, ONA, WV 25545-9750

Mortgage

Document Number	0006121893
Date	Jan 12, 2022
Instrument	6121893

Lender

Name	FIFTH THIRD BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

Interest

Rate Type	Fixed Rate

May 2010: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CABELL WV
Recording Date	May 24, 2010
Property Address	108 FOREST DR, ONA, WV 25545-9750
Document Number	001215/645
Book / Page	1215 / 645
Instrument Date	May 14, 2010
Transaction Type	Transfer
Record Updated	Jun 13, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants

Mortgage

Document Number	002332/221
Date	May 24, 2010
Book Page	2332/221

Lender

Name	DESCO FEDERAL CREDIT UNION

Agreement

Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2040

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2013
Change Frequency	Annually

Tax Assessment & Valuation

The 2026 property tax bill for 108 Forest Dr was $2,008, up 23.6% from the year before.

Source: Cabell County assessment roll, as of November 14, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,008.00 (+23.65%)	$148,200 (+24.81%) Land $25,980 Building $122,220	$247,000 (+24.81%) Land $43,300 Building $203,700
2025	$1,624.00	$118,740 Land $23,640 Building $95,100	$197,900 Land $39,400 Building $158,500
2023	$1,493.00 (-7.67%)	$108,720 (-7.08%) Land $19,680 Building $89,040	$181,200 (-7.08%) Land $32,800 Building $148,400
2022	$1,617.00	$117,000 Land $19,680 Building $97,320	$195,000 Land $32,800 Building $162,200

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

FEMA maps place 108 Forest Dr in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2021.

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · 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 File median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	3 (2021–2025)
Most Recent Claim	Feb 2025 · river or lake 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

Wildfire risk around 108 Forest Dr is low, with a 0.01% annual chance of 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	0.01% annual chance
Exposure	Indirect within ember reach

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	WVAWC - HUNTINGTON DIST private · serves 98,647 people · EPA ID WV3300608
Water Source	Surface water
Last State Inspection	Nov 2024
Lead	1 ppb (2022–2024) 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 168 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Alpha Technologies.

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