182 Rustic Rdg, Rio, WV 26755 Property Records

Hardy County property record for 182 Rustic Rdg, Rio, WV 26755

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,618 sqft · built 2009
Lot Size	3.39 acres (147,668 sqft)
Owner	2 Individual Names on File
Last Sale	$49,900 (Aug 2006)
Tax Bill	$1,110 (2026)
Deeds & Mortgages	Jun 2026 Transfer May 2026 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`03-228-0010.0008`

Property Details

APN / Parcel Number

Primary APN	`03-228-0010.0008`
Alternative APN	`16-03-228-0010.0008`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,618 sqft Living Area
1st Floor Area	2,992 sqft
Family Room	Family Room

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Architectural Style	Modern
Construction Type	Frame
Foundation Type	Raised
Lot Area	147,668 sqft (3.39 acres)
Terrain	Rolling

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric
Water Source	Well

Location & Zoning

Street Address	182 RUSTIC RDG
City	RIO
State	WV
Zip	26755-3539
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CANYON CREEK BACKUS PHASE 1 LOT 8 3.39 AC
Legal Subdivision	CANYON CREEK
Legal Lot Number	8
Jurisdiction	HARDY WV
Township / Civil Division	CAPON
Census Block Group	2
Census Block	2062
Census Tract	970102

Owner

182 Rustic Rdg is owned and occupied by two individuals who acquired it in May 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	182 RUSTIC RDG, RIO, WV 26755-3539
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Jun 3, 2026	Quit Claim Deed, Transfer PRIOR TITLE, PRIORITY TITLE
May 19, 2026	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CTR
Sep 18, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance MORTGAGE RESEARCH CENTER LLC
May 24, 2019	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 29, 2006 · Amount on File
Deed Sale	Aug 29, 2006 · Amount on File
Deed Document Number	2006156517
Deed Book / Page	293 / 417
Last Transfer Date	May 6, 2026
Transfer Doc	0000244495
Record Updated	Oct 29, 2026

June 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HARDY WV
Recording Date	Jun 3, 2026
Property Address	182 RUSTIC RDG, RIO, WV 26755-3539
Document Number	0000244495
Book / Page	385 / 230
Instrument Date	May 6, 2026
Instrument	2026244495
Transaction Type	Transfer
Record Updated	Aug 29, 2026
Title Company	PRIOR TITLE, PRIORITY TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	182 RUSTIC RDG, RIO, WV 26755-3539

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARDY WV
Recording Date	May 19, 2026
Property Address	182 RUSTIC RDG, RIO, WV 26755-3539
Document Number	0000244315
Book / Page	365 / 721
Instrument Date	May 6, 2026
Instrument	2026244315
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	182 RUSTIC RDG, RIO, WV 26755-3539

Mortgage

Document Number	0000244315,
Date	May 19, 2026
Book Page	365/721
Instrument	2026244315

Lender

Name	MORTGAGE RESEARCH CTR

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARDY WV
Property Address	182 RUSTIC RDG, RIO, WV 26755-3539
Transaction Type	Mortgage
Record Updated	Sep 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000323/610
Date	Sep 18, 2020
Book Page	323/610
Instrument	219816

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

May 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	HARDY WV
Recording Date	May 24, 2019
Property Address	182 RUSTIC RDG, RIO, WV 26755-3539
Document Number	000349/850
Book / Page	349 / 850
Instrument Date	Apr 24, 2019
Instrument	214271
Transaction Type	Transfer
Record Updated	Sep 8, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

The 2026 property tax bill for 182 Rustic Rdg was $1,110 with a homeowner's exemption, up 4.5% from the year before.

Source: Hardy County assessment roll, as of November 17, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,110.00 (+4.52%)	$164,580 (+4.1%) Land $19,380 Building $145,200	$274,300 (+4.1%) Land $32,300 Building $242,000
2025	$1,062.00 Homeowner's exemption	$158,100 Land $19,380 Building $138,720	$263,500 Land $32,300 Building $231,200
2023	$1,195.00	$154,740 Land $19,380 Building $135,360	$257,900 Land $32,300 Building $225,600

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

Flood

FEMA maps place 182 Rustic Rdg 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	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.

Wildfire

Wildfire risk around 182 Rustic Rdg is moderate, ranking above 47% of the US, with a 0.08% annual chance of wildfire.

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Hardy Telecommunications Fiber	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Rustic Rdg

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