Putnam County property record for 16 Spruce Ln, Poca, WV 25159 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 1975 |
| Square Footage | 2,004 sqft Living Area |
| Lot Size | 10,062 sqft (0.23 acres) |
| Garage | Basement |
| Occupancy | Owner Occupied |
| Tax Bill | $929.00 (2025) |
| Primary APN | 08-216A-0088.0000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Partial Baths | 1 Partial Baths |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Building Area | 2,004 sqft Living Area |
| 1st Floor | 1,344 sqft 1st Floor |
| Basement Area | 660 sqft Basement |
| Finished Basement | 660 sqft Finished |
| Family Room | Family Room |
| Stories | 1 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1975 |
|---|---|
| Architectural Style | Ranch Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Construction Type | Frame Construction |
| Lot Area | 10,062 sqft (0.23 acres) |
| Depth X Width | 117 ft x 94.1 ft Depth x Width |
| Parking Spaces | 1 Parking Spaces |
| Garage Type | Basement Garage |
| Topography | Rolling Topography |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Central Heating |
| Heating Fuel | Electric Heating Fuel |
| Sewage | Municipal Sewage |
| Water Source | Commercial Water Source |
| Account Number | 00010102 |
|---|---|
| Street Address | 16 SPRUCE LN |
| City | POCA |
| State | WV |
| Zip | 25159-7548 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOT 152 SEC 1 FOREST PARK |
| Legal Lot Number | 152 |
| Jurisdiction | PUTNAM WV |
| Minor Civil Division | 1 |
| Census Blockgroup | 3 |
| Census Block | 3002 |
| Census Tract | 20500 |
Source: Putnam County records · APN 08-216A-0088.0000
Assessment roll updated July 1, 2025 · Last verified December 2025
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 File |
|---|---|
| Mailing Address | 16 SPRUCE LN, POCA, WV 25159-7548 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Dec 04, 2017 | Deed of Trust, Mortgage · Reverse Mortgage FEDERAL HOUSING COMMISSIONER |
| Dec 04, 2017 | Deed of Trust, Mortgage · Reverse Mortgage FIRSTBANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Deed Doc Number | 0000239596 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PUTNAM WV |
| Property Address | 16 SPRUCE LN, POCA, WV 25159-7548 |
| Transaction Type | Mortgage |
| Record Updated | Feb 07, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1176/786 |
|---|---|
| Date | Dec 04, 2017 |
| Book Page | 1176/786 |
| Name | FEDERAL HOUSING COMMISSIONER |
|---|---|
| Type | Non-Lending Institution |
| Address | WASHINGTON, DC 20410 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 865 Months |
| Due | Jan 06, 2090 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.78% |
| Adjustable | Document includes a rider for adjustable-rate mortgage with a specific rate change date. |
| Type Change Date | Dec 01, 2018 |
| Change Frequency | Annually |
| Index | 1-Year LIBOR |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PUTNAM WV |
| Property Address | 16 SPRUCE LN, POCA, WV 25159-7548 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1176/768 |
|---|---|
| Date | Dec 04, 2017 |
| Book Page | 1176/768 |
| Name | FIRSTBANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35243 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 865 Months |
| Due | Jan 06, 2090 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.78% |
| Adjustable | Document includes a rider for adjustable-rate mortgage with a specific rate change date. |
| Type Change Date | Dec 01, 2018 |
| Change Frequency | Annually |
| Index | 1-Year LIBOR |
Source: Putnam County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | West Virginia |
| County | Putnam County |
| Unified School District | Putnam County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $929.00 (+18.65%) Homeowner's exemption | $93,540 (+10.72%) Land $15,060 Building $78,480 | $155,900 (+10.72%) Land $25,100 Building $130,800 |
| 2023 | $783.00 (+4.26%) Homeowner's exemption | $84,480 (+2.55%) Land $15,060 Building $69,420 | $140,800 (+2.55%) Land $25,100 Building $115,700 |
| 2022 | $751.00 Homeowner's exemption | $82,380 Land $15,060 Building $67,320 | $137,300 Land $25,100 Building $112,200 |
Source: FEMA National Flood Hazard Layer, Putnam County (54079C), updated February 2, 2012 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 20% of the US · above 21% of West Virginia |
|---|---|
| Wildfire Likelihood | About 1 in 3,448 per year |
| Exposure | Indirect within ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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