Hardy County property record for 165 Gary Smith Rd, Moorefield, WV 26836
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,032 sqft · built 2005 |
| Lot Size | 1.43 acres (62,291 sqft) |
| Owner | Individual Name on File |
| Last Sale | $205,000 (Jan 2019) |
| Tax Bill | $867 (2026) |
| Deeds & Mortgages | Feb 2020 Mortgage Jan 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-264-0005.0037 |
| Primary APN | 03-264-0005.0037 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,032 sqft Living Area |
| 1st Floor Area | 1,952 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Other |
| Exterior Material | Brick/Stone |
| Construction Type | Frame |
| Foundation Type | Raised |
| Lot Area | 62,291 sqft (1.43 acres) |
| Terrain | Rolling |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 165 GARY SMITH RD |
|---|---|
| City | MOOREFIELD |
| State | WV |
| Zip | 26836-8988 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | OGDEN FARM MEADOWS LOT 33 1.43 AC REVISED SHER |
| Legal Subdivision | OGDEN FARM MEADOWS |
| Legal Lot Number | 33 |
| Jurisdiction | HARDY WV |
| Township / Civil Division | OLD FIELDS |
| Census Block Group | 1 |
| Census Block | 1063 |
| Census Tract | 970102 |
165 Gary Smith Rd is owned and occupied by an individual who bought it in January 2019.
Source: Hardy County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 165 GARY SMITH RD, MOOREFIELD, WV 26836-8988 |
| 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.
| Date | Document |
|---|---|
| Feb 19, 2020 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Jan 2, 2019 | Deed, Transfer · FHA Mortgage BANK OF ENGLAND |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 2, 2019 · Amount on File |
| Deed Sale | Jan 2, 2019 · Amount on File |
| Prior Sale | Apr 30, 2009 · Amount on File |
| Deed Document Number | 2019212622 |
| Deed Book / Page | 348 / 579 |
| Prior Transfer Date | Feb 2, 2009 |
| Prior Transfer Doc | 307/505 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARDY WV |
| Property Address | 165 GARY SMITH RD, MOOREFIELD, WV 26836-8988 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 318/461 |
|---|---|
| Date | Feb 19, 2020 |
| Book Page | 318/461 |
| Instrument | 217360 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Mar 1, 2045 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARDY WV |
| Recording Date | Jan 2, 2019 |
| Property Address | 165 GARY SMITH RD, MOOREFIELD, WV 26836-8988 |
| Document Number | 348/579 |
| Book / Page | 348 / 579 |
| Instrument Date | Dec 28, 2018 |
| Instrument | 212622 |
| Transaction Type | Transfer |
| Record Updated | Oct 28, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 165 GARY SMITH RD, MOOREFIELD, WV 26836-8988 |
| Document Number | 000310/829 |
|---|---|
| Date | Jan 2, 2019 |
| Book Page | 310/829 |
| Instrument | 212623 |
| Name | BANK OF ENGLAND |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2049 |
The 2026 property tax bill for 165 Gary Smith Rd was $867, up 1.6% from the year before.
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 | $867.00 (+1.64%) | $112,920 (+1.73%) Land $15,000 Building $97,920 | $188,200 (+1.73%) Land $25,000 Building $163,200 |
| 2025 | $853.00 | $111,000 Land $18,000 Building $93,000 | $185,000 Land $30,000 Building $155,000 |
| 2023 | $850.00 | $110,100 Land $17,880 Building $92,220 | $183,500 Land $29,800 Building $153,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 165 Gary Smith Rd in Zone X, an area of minimal flood risk.
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 | 2 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.
Wildfire risk around 165 Gary Smith Rd 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 67% of the US · above 40% of West Virginia |
|---|---|
| Wildfire Likelihood | 0.04% 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 17 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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