1805 Harmons Creek Rd, Poca, WV 25159 Property Records

Putnam County property record for 1805 Harmons Creek Rd, Poca, WV 25159

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,176 sqft · built 2007
Lot Size	3.42 acres (148,975 sqft)
Owner	Individual Name on File
Last Sale	$159,600 (Apr 2020)
Tax Bill	$1,065 (2026)
Deeds & Mortgages	Apr 2020 Mortgage Apr 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-198-0005.0003`

Property Details

APN / Parcel Number

Primary APN	`08-198-0005.0003`
Alternative APNs	`40-08-198-0005.0003` `00052456`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,176 sqft Living Area
1st Floor Area	4,352 sqft
Family Room	Family Room

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	148,975 sqft (3.42 acres)
Terrain	Rolling

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	00052456
Street Address	1805 HARMONS CREEK RD
City	POCA
State	WV
Zip	25159-6762
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PARCEL B (3.42 AC)
Jurisdiction	PUTNAM WV
Township / Civil Division	1
Census Block Group	1
Census Block	1035
Census Tract	20500

Owner

Source: Putnam 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	Individual Name on File
Mailing Address	1805 HARMONS CREEK RD, POCA, WV 25159-6762
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 15, 2020	Deed of Trust, Mortgage · FHA Mortgage LIBERTY HOME MORTGAGE
Apr 23, 2020	Deed of Trust, Mortgage · FHA Mortgage LIBERTY HOME MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 15, 2020 · Amount on File
Deed Sale	Apr 15, 2020 · Amount on File
Prior Sale	Jan 6, 2006 · Amount on File
Deed Document Number	20204832600003
Deed Book / Page	584 / 720
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM WV
Property Address	1805 HARMONS CREEK RD, POCA, WV 25159-6762
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1240/955
Date	Apr 15, 2020
Book Page	1240/955
Instrument	004832610018

Lender

Name	LIBERTY HOME MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	300 Months
Due	Apr 1, 2045

Interest

Rate Type	Fixed Rate

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM WV
Property Address	1805 HARMONS CREEK RD, POCA, WV 25159-6762
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1241/911
Date	Apr 23, 2020
Book Page	1241/911
Instrument	004835840018

Lender

Name	LIBERTY HOME MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	300 Months
Due	Apr 1, 2045

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Putnam County assessment roll, as of December 5, 2025

Property Jurisdictions

Type	Name
State	West Virginia
County	Putnam County
Unified School District	Putnam County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,065.00 (+4.41%)	$85,200 (+5.58%) Land $16,680 Building $68,520	$142,000 (+5.58%) Land $27,800 Building $114,200
2025	$1,020.00 (+19.02%)	$80,700 (+14.37%) Land $15,120 Building $65,580	$134,500 (+14.37%) Land $25,200 Building $109,300
2023	$857.00 (+8.21%)	$70,560 (+7.3%) Land $15,120 Building $55,440	$117,600 (+7.3%) Land $25,200 Building $92,400
2022	$792.00	$65,760 Land $17,220 Building $48,540	$109,600 Land $28,700 Building $80,900

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective February 2, 2012 · 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
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	6 in force
Nearby Flood Claims	7 (1997–2021)
Most Recent Claim	Mar 2021 · river or lake flooding
Claims by Event	Heavy & Wind Driven Rain, High Winds,flooding,slides, Mar 1997 · 3 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	Moderate above 44% of the US · above 63% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WVAWC-KANAWHA VALLEY DIST private · serves 209,283 people · EPA ID WV3302016
Water Source	Surface water
Last State Inspection	Nov 2023
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Cell Coverage

4G LTE (outdoors only), no 5G reported

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