1445 Ludwick St, Keyser, WV 26726 Property Records

Mineral County property record for 1445 Ludwick St, Keyser, WV 26726

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,242 sqft · built 1964
Lot Size	0.234 acres (10,193 sqft)
Owner	Individual Name on File
Last Sale	$151,000 (Dec 2019)
Tax Bill	$1,007 (2026)
Deeds & Mortgages	May 2026 Transfer Dec 2017 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`07-12A-0113.0000`

Property Details

APN / Parcel Number

Primary APN	`07-12A-0113.0000`
Alternative APN	`29-07-12A-0113.0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,242 sqft Living Area
1st Floor Area	2,484 sqft
Game Room	Game Room

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Brick
Lot Area	10,193 sqft (0.234 acres)
Lot Dimensions	120 ft deep x 85 ft wide
Terrain	Rolling
Garage Type	Basement
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	136 sqft
Patio Area	224 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1445 LUDWICK ST
City	KEYSER
State	WV
Zip	26726-2018
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 12 CORRECTED ADD AM'D
Legal Subdivision	CORRECTED ADD
Legal Lot Number	12
Jurisdiction	MINERAL WV
Township / Civil Division	2
Census Block Group	3
Census Block	3023
Census Tract	10600

Owner

1445 Ludwick St is owned and occupied by an individual who acquired it in May 2026.

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

Owner of Record	Individual Name on File
Mailing Address	1445 LUDWICK ST, KEYSER, WV 26726-2018
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
May 1, 2026	Transfer on Death Deed, Transfer NONE LISTED ON DOCUMENT
Dec 22, 2017	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS INC
Jan 30, 2017	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS INC
Nov 10, 2020	Deed, Transfer · Conventional Mortgage FIRST PEOPLES COMMUNITY FCU
Dec 5, 2019	Warranty Deed, Transfer · Conventional Mortgage INTEGRITY HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 5, 2019 · Amount on File
Deed Sale	Dec 5, 2019 · Amount on File
Prior Sale	Sep 23, 2010 · Amount on File
Deed Document Number	2019174582
Deed Book / Page	385 / 861
Last Transfer Date	May 1, 2026
Transfer Doc	0000216784
Record Updated	Oct 29, 2026

May 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	MINERAL WV
Recording Date	May 1, 2026
Property Address	1445 LUDWICK ST, KEYSER, WV 26726-2018
Document Number	0000216784
Book / Page	417 / 887
Instrument Date	May 1, 2026
Instrument	2026216784
Transaction Type	Transfer
Record Updated	Aug 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14115 MERLA AVE SW, CUMBERLAND, MD 21502-5701
Investor	Possibly a Property Investor

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MINERAL WV
Property Address	1445 LUDWICK ST, KEYSER, WV 26726-2018
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	000577/801
Date	Dec 22, 2017
Book Page	577/801
Instrument	159817

Lender

Name	QUICKEN LOANS INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2048

Interest

Rate Type	Fixed Rate

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MINERAL WV
Property Address	1445 LUDWICK ST, KEYSER, WV 26726-2018
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	000567/922
Date	Jan 30, 2017
Book Page	567/922
Instrument	152674

Lender

Name	QUICKEN LOANS INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	180 Months
Due	Feb 1, 2032

Interest

Rate Type	Fixed Rate

November 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	MINERAL WV
Recording Date	Nov 10, 2020
Property Address	1445 LUDWICK ST, KEYSER, WV 26726-2018
Document Number	000391/342
Book / Page	391 / 342
Map Reference	PB 3 PG 84
Instrument Date	Nov 6, 2020
Instrument	180888
Transaction Type	Transfer
Record Updated	Jun 13, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,239.70
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	000609/583
Date	Nov 10, 2020
Book Page	609/583
Instrument	180889

Lender

Name	FIRST PEOPLES COMMUNITY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2050

Interest

Rate Type	Fixed Rate

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MINERAL WV
Recording Date	Dec 5, 2019
Property Address	1445 LUDWICK ST, KEYSER, WV 26726-2018
Document Number	385/861
Book / Page	385 / 861
Map Reference	PB 3 PG 84
Instrument Date	Oct 22, 2019
Instrument	174582
Transaction Type	Transfer
Record Updated	Nov 8, 2021
Title Company	OLD TOWNE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000597/57
Date	Dec 5, 2019
Book Page	597/57
Instrument	174583

Lender

Name	INTEGRITY HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2049

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 1445 Ludwick St was $1,007 with a homeowner's exemption, down 22.4% from the year before.

Source: Mineral County assessment roll, as of November 24, 2025

Property Jurisdictions

Type	Name
State	West Virginia
County	Mineral County
Municipality	Keyser City
Unified School District	Mineral County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,007.00 (-22.42%)	$84,180 (+1.67%) Land $14,460 Building $69,720	$140,300 (+1.67%) Land $24,100 Building $116,200
2025	$1,298.00 Homeowner's exemption	$82,800 Land $14,460 Building $68,340	$138,000 Land $24,100 Building $113,900
2023	$1,237.00	$78,900 (-) Land $14,460 Building $64,440	$131,500 (-) Land $24,100 Building $107,400
2022	$1,237.00	$78,900 Land $14,460 Building $64,440	$131,500 Land $24,100 Building $107,400

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

Flood

FEMA maps place 1445 Ludwick St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1978.

Source: FEMA National Flood Hazard Layer, effective March 19, 2013 · 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	3 (1978–1996)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Sep 1996 · Hurricane Fran And Associated Heavy Rains,flooding Highwind

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 1445 Ludwick St is low, with a 0.02% annual chance of 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 261 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: SkyPacket.

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