188 Lone Oak Rd, Ranson, WV 25438 Property Records

Jefferson County property record for 188 Lone Oak Rd, Ranson, WV 25438

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 4,684 sqft · built 1989
Lot Size	3.38 acres (147,233 sqft)
Owner	2 Individual Names on File
Last Sale	$400,000 (Sep 2009)
Tax Bill	$4,969 (2026)
Deeds & Mortgages	Sep 2017 Mortgage Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-7-0008.0007`

Property Details

APN / Parcel Number

Primary APN	`02-7-0008.0007`
Alternative APN	`19-02-7-0008.0007`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	17 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	4,684 sqft Living Area
1st Floor Area	3,984 sqft
Basement Area	700 sqft
Finished Basement	700 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Brick
Lot Area	147,233 sqft (3.38 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	188 LONE OAK RD
City	RANSON
State	WV
Zip	25438-5617
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BLK A #11 LONE OAK FARM
Legal Subdivision	LONE OAK FARM
Legal Block	11,A
Jurisdiction	JEFFERSON WV
Township / Civil Division	MIDDLEWAY
Census Block Group	4
Census Block	4039
Census Tract	972402

Owner

188 Lone Oak Rd is owned and occupied by two individuals who bought it in September 2009.

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

Owner of Record	2 Individual Names on File
Mailing Address	188 LONE OAK RD, RANSON, WV 25438-5617
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
Sep 28, 2017	Deed of Trust, Mortgage · Conventional Mortgage UNITED BANK INC
Oct 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED BANK
Oct 30, 2020	Deed of Trust, Mortgage · Line of Credit UNITED BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 25, 2009 · Amount on File
Deed Sale	Sep 25, 2009 · Amount on File
Deed Document Number	200951611
Deed Book / Page	1069 / 366
Record Updated	Oct 29, 2026

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON WV
Property Address	188 LONE OAK RD, RANSON, WV 25438-5617
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000016540
Date	Sep 28, 2017
Book Page	2158/087
Instrument	201700016540

Lender

Name	UNITED BANK INC
Type	Bank
Address	DUNBAR, WV 25064

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2047

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON WV
Property Address	188 LONE OAK RD, RANSON, WV 25438-5617
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	188 LONE OAK RD, RANSON, WV 25438-5617

Mortgage

Document Number	0000013181
Date	Oct 2, 2020
Book Page	2312/256
Instrument	202000013181

Lender

Name	UNITED BANK
Type	Bank
Address	FAIRFAX, VA 22030

Agreement

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

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON WV
Property Address	188 LONE OAK RD, RANSON, WV 25438-5617
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	188 LONE OAK RD, RANSON, WV 25438-5617

Mortgage

Document Number	0000014686
Date	Oct 30, 2020
Book Page	2319/686
Instrument	202000014686

Lender

Name	UNITED BANK
Type	Bank
Address	FAIRFAX, VA 22030

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Oct 15, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2026 property tax bill for 188 Lone Oak Rd was $4,969, up 0.4% from the year before.

Source: Jefferson County assessment roll, as of November 14, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,969.00 (+0.44%)	$430,900 (+1.2%) Land $107,800 Building $323,100	$718,167 (+1.19%) Land $179,667 Building $538,500
2025	$4,947.00	$425,800 Land $99,000 Building $326,800	$709,700 Land $165,000 Building $544,700
2023	$4,665.00	$399,400 Land $99,000 Building $300,400	$665,700 Land $165,000 Building $500,700

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

Flood

FEMA maps place 188 Lone Oak Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2019.

Source: FEMA National Flood Hazard Layer, effective July 23, 2024 · 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 7 (15% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (2019)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2019 · rainfall accumulation

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 188 Lone Oak Rd is low, with a 0.01% 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	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 50 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30

May also be available: Frontier.

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