1194 Arner Rd, Chester, WV 26034 Property Records

Hancock County property record for 1194 Arner Rd, Chester, WV 26034

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,548 sqft · built 2000
Lot Size	8.4 acres (365,904 sqft)
Owner	Individual Name on Record
Tax Bill	$1,414 (2026)
Deeds & Mortgages	Jul 2021 Mortgage May 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-G15-0101.0001`

Property Details

APN / Parcel Number

Primary APN	`04-G15-0101.0001`
Alternative APNs	`15-04-G15-0101.0001` `06204060`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,548 sqft Living Area
1st Floor Area	2,808 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Lot Area	365,904 sqft (8.4 acres)
Terrain	Above Road/Slope

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Oil
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	06204060
Street Address	1194 ARNER RD
City	CHESTER
State	WV
Zip	26034-1871
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	8.40 AC TOM'L RUN
Jurisdiction	HANCOCK WV
Township / Civil Division	GRANT
Census Block Group	2
Census Block	2001
Census Tract	20900

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1194 ARNER RD, CHESTER, WV 26034-1871
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage HANCOCK COUNTY SAVINGS BANK FSB
May 22, 2017	Deed of Trust, Mortgage · Conventional Mortgage HANCOCK COUNTY SAVINGS BANK FSB

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK WV
Property Address	1194 ARNER RD, CHESTER, WV 26034-1871
Transaction Type	Mortgage
Record Updated	Aug 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1194 ARNER RD, CHESTER, WV 26034-1871

Mortgage

Document Number	880/1
Date	Jul 15, 2021
Book Page	880/1
Instrument	202100003081

Lender

Name	HANCOCK COUNTY SAVINGS BANK FSB
Type	Bank
Address	CHESTER, WV 26034

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jul 14, 2031

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK WV
Property Address	1194 ARNER RD, CHESTER, WV 26034-1871
Transaction Type	Mortgage
Record Updated	Jul 19, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 201700002153
Date	May 22, 2017
Book Page	850/1490
Instrument	201700002153

Lender

Name	HANCOCK COUNTY SAVINGS BANK FSB
Type	Bank
Address	CHESTER, WV 26034

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2032

Tax Assessment & Valuation

Source: Hancock County assessment roll, as of November 17, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,414.00 (+2.76%)	$104,910 (+1.98%) Land $12,810 Building $92,100	$174,850 (+2.19%) Land $21,350 Building $153,500
2025	$1,376.00 (+14.57%)	$102,870 (+9.1%) Land $12,570 Building $90,300	$171,100 (+9.12%) Land $20,600 Building $150,500
2023	$1,201.00 (-2.67%)	$94,290 (-0.88%) Land $11,130 Building $83,160	$156,800 (-0.88%) Land $18,200 Building $138,600
2022	$1,234.00	$95,130 Land $10,830 Building $84,300	$158,200 Land $17,700 Building $140,500

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 April 19, 2010 · 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
Nearby Flood Claims	2 (1996)
Most Recent Claim	Jan 1996 · Flooding
Claims by Event	Flooding, Jan 1996 · 2 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	Direct burnable vegetation

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 14 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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