109 Oklahoma Ave, Poca, WV 25159 Property Records

Putnam County property record for 109 Oklahoma Ave, Poca, WV 25159

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,568 sqft · built 2015
Lot Size	0.187 acres (8,146 sqft)
Owner	Individual Name on Record
Last Sale	$40,000 (Feb 2015)
Tax Bill	$1,973 (2026)
Deeds & Mortgages	Jul 2022 Mortgage Jun 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-3-0029.0001`

Property Details

APN / Parcel Number

Primary APN	`09-3-0029.0001`
Alternative APNs	`40-09-3-0029.0001` `00011505`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,568 sqft Living Area
1st Floor Area	3,376 sqft

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	8,146 sqft (0.187 acres)
Lot Dimensions	102 ft deep x 80 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	00011505
Street Address	109 OKLAHOMA AVE
City	POCA
State	WV
Zip	25159-9701
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	8,160 SQ FT POCA
Jurisdiction	PUTNAM WV
Township / Civil Division	1
Census Block Group	2
Census Block	2011
Census Tract	20500

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	109 OKLAHOMA AVE, POCA, WV 25159-9701
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
Jul 26, 2022	Deed of Trust, Mortgage · FHA Mortgage AMERICAN FINANCING CORP
Jun 30, 2025	Warranty Deed, Transfer · Conventional Mortgage THE OHIO VALLEY BANK COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 2, 2015 · Amount on Record
Deed Sale	Feb 2, 2015 · Amount on Record
Deed Document Number	20153782830002
Deed Book / Page	538 / 927
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM WV
Property Address	109 OKLAHOMA AVE, POCA, WV 25159-9701
Transaction Type	Mortgage
Record Updated	Oct 15, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001328/301
Date	Jul 26, 2022
Book Page	1328/301

Lender

Name	AMERICAN FINANCING CORP
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2052

Interest

Rate Type	Fixed Rate

June 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PUTNAM WV
Recording Date	Jun 30, 2025
Property Address	109 OKLAHOMA AVE, POCA, WV 25159-9701
Document Number	0000639/58
Book / Page	639 / 58
Instrument Date	Jun 6, 2025
Transaction Type	Transfer
Record Updated	Dec 5, 2025
Title Company	BESTITLE TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,056.00
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 with Right of Survivorship

Mortgage

Document Number	0001389536
Date	Jun 30, 2025
Instrument	1389/536

Lender

Name	THE OHIO VALLEY BANK COMPANY
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Jul 1, 2030
Change Frequency	5 Years
Min Rate At Change	5.5%
Max Rate At Change	7.5%
Index	5-Year TN
Max Rate	11.5%

Tax Assessment & Valuation

Source: Putnam County assessment roll, as of December 5, 2025

Property Jurisdictions

Type	Name
State	West Virginia
County	Putnam County
Municipality	Poca Town
Unified School District	Putnam County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,973.00 (+5.62%)	$132,240 (+6.99%) Land $16,260 Building $115,980	$220,400 (+6.99%) Land $27,100 Building $193,300
2025	$1,868.00 (+22.01%)	$123,600 (+11.11%) Land $13,560 Building $110,040	$206,000 (+11.11%) Land $22,600 Building $183,400
2024	$1,531.00 (-0.65%)	$111,240 (+5.7%) Land $13,560 Building $97,680
2023	$1,541.00 (+5.91%)	$105,240 (+5.22%) Land $13,560 Building $91,680	$185,400 (+11.22%) Land $22,600 Building $162,800
2022	$1,455.00	$100,020 Land $11,760 Building $88,260	$166,700 Land $19,600 Building $147,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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	8 in force
Nearby Flood Claims	15 (1987–2015)
Claims Outside the SFHA	3 of 15
Most Recent Claim	Aug 2015 · rainfall accumulation
Claims by Event	Severe Storms, Flooding, And Landslides, Nov 2003 · 3 claims Heavy & Wind Driven Rain, High Winds,flooding,slides, Mar 1997 · 3 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

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	None beyond 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-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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 219 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: Optimum, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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