1220 Smith St, Milton, WV 25541 Property Records

Cabell County property record for 1220 Smith St, Milton, WV 25541

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,980 sqft · built 1902
Lot Size	0.244 acres (10,629 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,393 (2026)
Deeds & Mortgages	May 2021 Mortgage
Flood Zone	Zone AE (high risk)
APN	`09-5-0073.0000`

Property Details

APN / Parcel Number

Primary APN	`09-5-0073.0000`
Alternative APN	`06-09-5-0073.0000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,980 sqft Living Area
1st Floor Area	2,191 sqft
Family Room	Family Room

Exterior

Year Built	Built 1902
Effective Year Built	Effective 1902
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Lot Area	10,629 sqft (0.244 acres)
Lot Dimensions	133 ft deep x 80 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1220 SMITH ST
City	MILTON
State	WV
Zip	25541-1330
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BLK2 LT19&22 H'BARGER ADN #3 1220 SMITH ST
Legal Subdivision	TOWN OF MILTON
Legal Block	2
Legal Lot Number	19,22
Jurisdiction	CABELL WV
Township / Civil Division	2
Census Block Group	3
Census Block	3013
Census Tract	10802

Owner

Source: Cabell 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	2 Individual Names on Record
Mailing Address	1220 SMITH ST, MILTON, WV 25541-1330
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABELL WV
Property Address	1220 SMITH ST, MILTON, WV 25541-1330
Transaction Type	Mortgage
Record Updated	Nov 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002838/84
Date	May 17, 2021
Book Page	2838/84
Instrument	6095865

Lender

Name	CITY NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2051

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2024
Change Frequency	Annually
Min Rate At Change	3.87%
Max Rate At Change	5.5%
Index	1-Year CMT

Tax Assessment & Valuation

Source: Cabell County assessment roll, as of November 14, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,393.00 (+25.72%)	$87,120 (+27.15%) Land $24,720 Building $62,400	$145,200 (+27.15%) Land $41,200 Building $104,000
2025	$1,108.00 (+12.6%)	$68,520 (+12.96%) Land $18,480 Building $50,040	$114,200 (+12.96%) Land $30,800 Building $83,400
2023	$984.00 (-0.61%)	$60,660 (-) Land $15,420 Building $45,240	$101,100 (-) Land $25,700 Building $75,400
2022	$990.00	$60,660 Land $15,420 Building $45,240	$101,100 Land $25,700 Building $75,400

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 September 24, 2026 · 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 Record median of 25 policies
Nearby Flood Policies	25 in force
Nearby Flood Claims	13 (1997–2023)
Most Recent Claim	Feb 2023 · river or lake flooding
Claims by Event	Severe Winter Storm, Record/near Record Snow, Heavy Rains, Flooding And Landslides, Feb 2003 · 2 claims Heavy & Wind Driven Rain, High Winds,flooding,slides, Mar 1997 · 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	Indirect within 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	MILTON WATER serves 5,446 people · EPA ID WV3300609
Water Source	Surface water
Last State Inspection	Feb 2024
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	None last 10 years
Treatment and Procedure	No certified operator Aug 2018
Monitoring and Reporting	48 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 422 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Optimum Cable	940 / 35
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20