Hardy County property record for 13425 State Rd 55, Baker, WV 26801
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,100 sqft · built 1972 |
| Lot Size | 1.11 acres (48,352 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $200,000 (Jul 2021) |
| Tax Bill | $951 (2026) |
| Deeds & Mortgages | Oct 2007 Line of Credit May 2022 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-288-0020.0001 |
| Primary APN | 03-288-0020.0001 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,100 sqft Living Area |
| 1st Floor Area | 4,032 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Construction Type | Brick |
| Lot Area | 48,352 sqft (1.11 acres) |
| Terrain | Rolling |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 13425 STATE ROAD 55 |
|---|---|
| City | BAKER |
| State | WV |
| Zip | 26801-8005 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 1.11 AC LOT 1 HODSON FUNKHOUSER LOTS |
| Legal Subdivision | 03 91 0000-00 288 0020 |
| Legal Block | 1 |
| Legal Lot Number | 1 |
| Jurisdiction | HARDY WV |
| Township / Civil Division | CAPON |
| Census Block Group | 2 |
| Census Block | 2089 |
| Census Tract | 970102 |
Source: Hardy 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 13425 STATE ROAD 55, BAKER, WV 26801-8005 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 1, 2007 | Deed of Trust, Mortgage · Line of Credit BENEFICIAL WEST VIRGINIA INC |
| May 24, 2022 | Deed of Trust, Mortgage · Line of Credit SUMMIT COMMUNITY BANK |
| Dec 4, 2006 | Deed of Trust, Mortgage · Conventional Mortgage OHIO SAVINGS BANK FSB |
| Jul 30, 2021 | Deed, Transfer · Stand-Alone First Mortgage SUMMIT COMMUNITY BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 30, 2021 · Amount on Record |
| Deed Sale | Jul 30, 2021 · Amount on Record |
| Deed Document Number | 2021224297 |
| Deed Book / Page | 360 / 90 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARDY WV |
| Property Address | 13425 STATE ROAD 55, BAKER, WV 26801-8005 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 000234/080 |
|---|---|
| Date | Oct 1, 2007 |
| Book Page | 234/080 |
| Instrument | 162550 |
| Name | BENEFICIAL WEST VIRGINIA INC |
|---|---|
| Type | Non-Lending Institution |
| Address | MARTINSBURG, WV 25401 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Sep 25, 2037 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARDY WV |
| Property Address | 13425 STATE ROAD 55, BAKER, WV 26801-8005 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 000340/291 |
|---|---|
| Date | May 24, 2022 |
| Book Page | 340/291 |
| Instrument | 228460 |
| Name | SUMMIT COMMUNITY BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 421 Months |
| Due | Jun 1, 2057 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARDY WV |
| Property Address | 13425 STATE ROAD 55, BAKER, WV 26801-8005 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 000225/452 |
|---|---|
| Date | Dec 4, 2006 |
| Book Page | 225/452 |
| Instrument | 157896 |
| Name | OHIO SAVINGS BANK FSB |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44114 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2036 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARDY WV |
| Recording Date | Jul 30, 2021 |
| Property Address | 13425 STATE ROAD 55, BAKER, WV 26801-8005 |
| Document Number | 0000360/90 |
| Book / Page | 360 / 90 |
| Instrument Date | Jul 29, 2021 |
| Instrument | 224297 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 13425 STATE ROAD 55, BAKER, WV 26801-8005 |
| Document Number | 0000224298 |
|---|---|
| Date | Jul 30, 2021 |
| Instrument | 224298 |
| Name | SUMMIT COMMUNITY BANK |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Hardy County assessment roll, as of November 17, 2025
| Type | Name |
|---|---|
| State | West Virginia |
| County | Hardy County |
| Unified School District | Hardy County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $951.00 (+1.71%) | $123,840 (+1.88%) Land $16,740 Building $107,100 | $206,400 (+1.88%) Land $27,900 Building $178,500 |
| 2025 | $935.00 (-0.85%) | $121,560 (-0.44%) Land $16,740 Building $104,820 | $202,600 (-0.44%) Land $27,900 Building $174,700 |
| 2023 | $943.00 | $122,100 Land $16,740 Building $105,360 | $203,500 Land $27,900 Building $175,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective November 15, 2023 · 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 Policies | 3 in force |
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 47% of the US · above 68% of West Virginia |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 1 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Hardy Telecommunications Fiber | 1,000 / 1,000 |
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