1085 Florida Ave, Keyser, WV 26726 Property Records

Mineral County property record for 1085 Florida Ave, Keyser, WV 26726

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,248 sqft · built 1962
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on File
Last Sale	$106,650 (Dec 2019)
Tax Bill	$562 (2026)
Deeds & Mortgages	May 2023 Mortgage Aug 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-12F-0077.0000`

Property Details

APN / Parcel Number

Primary APN	`06-12F-0077.0000`
Alternative APN	`29-06-12F-0077.0000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,248 sqft Living Area
1st Floor Area	2,236 sqft

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	10,890 sqft (0.25 acres)
Lot Dimensions	136 ft deep x 79.6 ft wide
Terrain	Rolling
Garage Area	260 sqft
Porch	Porch
Porch Area	112 sqft
Patio Area	240 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1085 FLORIDA AVE
City	KEYSER
State	WV
Zip	26726-2804
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 58 LUDWICKS 3RD ADD BV
Legal Subdivision	ARNOLD LUDWICKS THIRD ADD
Legal Lot Number	58
Jurisdiction	MINERAL WV
Township / Civil Division	2
Census Block Group	3
Census Block	3041
Census Tract	10500

Owner

1085 Florida Ave is owned and occupied by an individual who bought it in December 2019.

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

Owner of Record	Individual Name on File
Mailing Address	1085 FLORIDA AVE, KEYSER, WV 26726-2804
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
May 30, 2023	Deed of Trust, Mortgage · Conventional Mortgage WEPCO FCU
Aug 4, 2021	Deed of Trust, Mortgage · Stand-Alone First Mortgage WEPCO FCU
Dec 12, 2019	Deed, Transfer · Conventional Mortgage WEPCO FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 12, 2019 · Amount on File
Deed Sale	Dec 12, 2019 · Amount on File
Deed Document Number	2019174695
Deed Book / Page	385 / 941
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MINERAL WV
Property Address	1085 FLORIDA AVE, KEYSER, WV 26726-2804
Transaction Type	Mortgage
Record Updated	Jun 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000645/899
Date	May 30, 2023
Book Page	645/899
Instrument	199477

Lender

Name	WEPCO FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jun 1, 2033

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MINERAL WV
Property Address	1085 FLORIDA AVE, KEYSER, WV 26726-2804
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000623/643
Date	Aug 4, 2021
Book Page	623/643
Instrument	186420

Lender

Name	WEPCO FCU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2051

Interest

Rate Type	Fixed Rate

December 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	MINERAL WV
Recording Date	Dec 12, 2019
Property Address	1085 FLORIDA AVE, KEYSER, WV 26726-2804
Document Number	000385/941
Book / Page	385 / 941
Map Reference	PB 3 PG 29
Instrument Date	Dec 9, 2019
Instrument	174695
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	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000597/329
Date	Dec 12, 2019
Book Page	597/329
Instrument	174696

Lender

Name	WEPCO FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	192 Months
Due	Jan 1, 2035

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 1085 Florida Ave was $562, up 2.7% from the year before.

Source: Mineral County assessment roll, as of November 24, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$562.00 (+2.74%)	$47,040 (+2.62%) Land $11,280 Building $35,760	$78,400 (+2.62%) Land $18,800 Building $59,600
2025	$547.00	$45,840 Land $11,280 Building $34,560	$76,400 Land $18,800 Building $57,600
2023	$519.00	$43,500 (-) Land $11,280 Building $32,220	$72,500 (-) Land $18,800 Building $53,700
2022	$519.00	$43,500 Land $11,280 Building $32,220	$72,500 Land $18,800 Building $53,700

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 1085 Florida Ave in Zone X, an area of minimal flood risk, though there have been 35 flood claims nearby since 1985.

Source: FEMA National Flood Hazard Layer, effective March 19, 2013 · 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 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	35 (1985–2025)
Claims Outside the SFHA	4 of 35
Most Recent Claim	May 2025 · river or lake flooding
Claims by Event	Hurricane Fran And Associated Heavy Rains,flooding Highwind, Sep 1996 · 17 claims Flooding, Jan 1996 · 7 claims Severe Storms, Heavy Rains, Flooding, Mudslides, Jun 1995 · 8 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

Wildfire risk around 1085 Florida Ave is low, with a 0.02% 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	0.02% annual chance
Exposure	Indirect within ember reach

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

Internet Providers

Source: FCC Broadband Data Collection, based on 261 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: SkyPacket.

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