12 Margaret St, Poca, WV 25159 Property Records

Putnam County property record for 12 Margaret St, Poca, WV 25159

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 960 sqft · built 1980
Lot Size	0.167 acres (7,275 sqft)
Owner	Individual Name on File
Last Sale	$90,000 (Nov 2023)
Tax Bill	$791 (2026)
Deeds & Mortgages	Mar 2025 Mortgage Nov 2023 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`08-195D-0008.0000`

Property Details

APN / Parcel Number

Primary APN	`08-195D-0008.0000`
Alternative APNs	`40-08-195D-0008.0000` `00008825`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	960 sqft Living Area
1st Floor Area	1,920 sqft

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	7,275 sqft (0.167 acres)
Lot Dimensions	121 ft deep x 60 ft wide
Terrain	Rolling

Utilities, Heating & Cooling

Heating System	HVAC
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	00008825
Street Address	12 MARGARET ST
City	POCA
State	WV
Zip	25159
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 8 GRASSIE SUBD
Legal Subdivision	GRASSIE SUB
Legal Lot Number	8
Jurisdiction	PUTNAM WV
Township / Civil Division	1
Census Block Group	5
Census Block	5014
Census Tract	20100

Owner

12 Margaret St is owned and occupied by an individual who bought it in November 2023.

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

Owner of Record	Individual Name on File
Mailing Address	12 MARGARET ST, POCA, WV 25159
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
Mar 4, 2025	Deed of Trust, Mortgage HUD
Nov 6, 2023	Deed of Trust, Mortgage · Conventional Mortgage WEST VIRGINIA HOUSING DEV
Nov 6, 2023	Warranty Deed, Transfer · Conventional Mortgage LOAN DEPOT INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 6, 2023 · Amount on File
Deed Sale	Nov 6, 2023 · Amount on File
Deed Book / Page	621 / 326
Record Updated	Oct 29, 2026

March 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM WV
Property Address	12 MARGARET ST, POCA, WV 25159
Transaction Type	Mortgage
Record Updated	Dec 5, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001382/171
Date	Mar 4, 2025
Book Page	1382/171
Instrument	005876450009

Lender

Name	HUD
Type	Government Agency

Agreement

Amount	Amount on Record
Term	336 Months
Due	Nov 1, 2053

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM WV
Property Address	12 MARGARET ST, POCA, WV 25159
Transaction Type	Mortgage
Record Updated	Nov 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001354/741
Date	Nov 6, 2023
Book Page	1354/741
Instrument	005562010011

Lender

Name	WEST VIRGINIA HOUSING DEV
Type	Government Agency

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Nov 1, 2038

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PUTNAM WV
Recording Date	Nov 6, 2023
Property Address	12 MARGARET ST, POCA, WV 25159
Document Number	000621/326
Book / Page	621 / 326
Map Reference	DB 215 PG 439
Instrument Date	Oct 31, 2023
Instrument	005561990003
Transaction Type	Transfer
Record Updated	Dec 5, 2025
Title Company	BESTITLE TITLE AGENCY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$396.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 MARGARET ST, POCA, WV 25159

Mortgage

Document Number	005562000017
Date	Nov 6, 2023
Instrument	005562000017

Lender

Name	LOAN DEPOT INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2053

Mortgage

Document Number	001354/741
Date	Nov 6, 2023
Book Page	1354/741
Instrument	005562010011

Lender

Name	WEST VIRGINIA HOUSING DEV
Type	Government Agency

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Nov 1, 2038

Tax Assessment & Valuation

The 2026 property tax bill for 12 Margaret St was $791, up 11.6% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$791.00 (+11.57%)	$63,240 (+12.61%) Land $19,500 Building $43,740	$105,400 (+12.61%) Land $32,500 Building $72,900
2025	$709.00	$56,160 Land $15,120 Building $41,040	$93,600 Land $25,200 Building $68,400
2023	$378.00 (+2.16%) Homeowner's exemption	$51,120 (+0.71%) Land $15,120 Building $36,000	$85,200 (+0.71%) Land $25,200 Building $60,000
2022	$370.00 Homeowner's exemption	$50,760 Land $15,120 Building $35,640	$84,600 Land $25,200 Building $59,400

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

Flood

FEMA maps place 12 Margaret St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective February 2, 2012 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 12 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	12 in force
Nearby Flood Claims	4 (2003–2021)
Claims Outside the SFHA	2 of 4
Most Recent Claim	Mar 2021 · rainfall accumulation

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 12 Margaret St is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 65% of the US · above 44% of West Virginia
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Frontier, Optimum, T-Mobile.

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