Putnam County property record for 109 Kay Ave, Poca, WV 25159
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,929 sqft · built 1985 |
| Lot Size | 0.463 acres (20,168 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $259,000 (Apr 2026) |
| Tax Bill | $1,740 (2025) |
| Deeds & Mortgages | Apr 2026 Sale & Mortgage Jan 2026 Foreclosure + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-227B-0005.0000 |
| Primary APN | 08-227B-0005.0000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,929 sqft Living Area |
| 1st Floor Area | 1,929 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Colonial |
| Exterior Material | Brick/Stone |
| Construction Type | Frame |
| Lot Area | 20,168 sqft (0.463 acres) |
| Lot Dimensions | 98 ft deep x 28 ft wide |
| Terrain | Rolling |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 00010906 |
|---|---|
| Street Address | 109 KAY AVE |
| City | POCA |
| State | WV |
| Zip | 25159-9724 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 5 SEC I RIVER VALLEY SUBD |
| Legal Subdivision | RIVER VALLEY SUB |
| Legal Lot Number | 5 |
| Jurisdiction | PUTNAM WV |
| Township / Civil Division | 1 |
| Census Block Group | 3 |
| Census Block | 3010 |
| Census Tract | 20500 |
Source: Putnam County records, as of June 25, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 109 KAY AVE, POCA, WV 25159-9724 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 29, 2026 | Warranty Deed, Transfer · Conventional Mortgage TOYOTA FINANCIAL SAVINGS BANK |
| Jan 14, 2026 | Trustee's Deed, Foreclosure Foreclosure Auction |
| May 5, 2022 | Warranty Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 29, 2026 · Amount on Record |
| Deed Sale | Apr 29, 2026 · Amount on Record |
| Prior Sale | Jan 14, 2026 · Amount on Record |
| Deed Document Number | 2026 |
| Deed Book / Page | 648 / 919 |
| Transfer Doc | 0519000617 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PUTNAM WV |
| Recording Date | Apr 29, 2026 |
| Property Address | 109 KAY AVE, POCA, WV 25159-9724 |
| Document Number | 0648000919 |
| Book / Page | 648 / 919 |
| Instrument Date | Apr 28, 2026 |
| Transaction Type | Transfer |
| Record Updated | Jun 25, 2026 |
| Title Company | BESTITLE, BEST TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $57,549.80 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 109 KAY AVE, POCA, WV 25159-9724 |
| Document Number | 1411000001, |
|---|---|
| Date | Apr 29, 2026 |
| Book Page | 1411/1 |
| Name | TOYOTA FINANCIAL SAVINGS BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.22% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | PUTNAM WV |
| Recording Date | Jan 14, 2026 |
| Property Address | 109 KAY AVE, POCA, WV 25159-9724 |
| Document Number | 000645/420 |
| Book / Page | 645 / 420 |
| Map Reference | MB 235 PG 772&773 |
| Instrument Date | Dec 15, 2025 |
| Transaction Type | Foreclosure |
| Record Updated | Jan 30, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $818.40 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 314 SUNSET DR, RONCEVERTE, WV 24970-8001 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PUTNAM WV |
| Recording Date | May 5, 2022 |
| Property Address | 109 KAY AVE, POCA, WV 25159-9724 |
| Document Number | 000605/684 |
| Book / Page | 605 / 684 |
| Map Reference | DB 235 PG 772 773 |
| Instrument Date | May 4, 2022 |
| Instrument | 005241350003 |
| Transaction Type | Transfer |
| Record Updated | Dec 5, 2025 |
| Title Company | BESTITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,009.80 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 109 RAY AVE, POCA, WV 25159 |
| Document Number | 005241360018 |
|---|---|
| Date | May 5, 2022 |
| Instrument | 005241360018 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2052 |
| Rate Type | Fixed Rate |
|---|
Source: Putnam County assessment roll, as of December 5, 2025
| Type | Name |
|---|---|
| State | West Virginia |
| County | Putnam County |
| Unified School District | Putnam County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,740.00 (+14.25%) | $137,700 (+9.81%) Land $33,000 Building $104,700 | $229,500 (+9.81%) Land $55,000 Building $174,500 |
| 2023 | $1,523.00 (+17.06%) | $125,400 (+16.11%) Land $33,000 Building $92,400 | $209,000 (+16.11%) Land $55,000 Building $154,000 |
| 2022 | $1,301.00 | $108,000 Land $33,000 Building $75,000 | $180,000 Land $55,000 Building $125,000 |
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.
Source: FEMA National Flood Hazard Layer, effective February 2, 2012 · 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 |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 5 (1984–2021) |
| Claims Outside the SFHA | 1 of 5 |
| Most Recent Claim | Mar 2021 · 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 40% of the US · above 55% of West Virginia |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | WVAWC-KANAWHA VALLEY DIST private · serves 209,283 people · EPA ID WV3302016 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Nov 2023 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 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.
Source: FCC Broadband Data Collection, based on 117 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Cable | 940 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
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