McDowell County property record for 188 Lovers Ln, Gary, WV 24836
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,668 sqft · built 1957 |
| Lot Size | 0.307 acres (13,416 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $80,000 (Jan 2021) |
| Tax Bill | $269 (2025) |
| Deeds & Mortgages | Jan 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-17-0083.0000 |
| Primary APN | 07-17-0083.0000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,668 sqft Living Area |
| 1st Floor Area | 1,056 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1957 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Construction Type | Brick |
| Lot Area | 13,416 sqft (0.307 acres) |
| Lot Dimensions | 156 ft deep x 87 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 00400225 |
|---|---|
| Street Address | 188 LOVERS LN |
| City | GARY |
| State | WV |
| Zip | 24836 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | L19 BL C GARY |
| Legal Block | C |
| Legal Lot Number | 19 |
| Jurisdiction | MCDOWELL WV |
| Township / Civil Division | NORTH ELKIN |
| Census Block Group | 1 |
| Census Block | 1031 |
| Census Tract | 954501 |
Source: McDowell County records, as of November 14, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | PO BOX 182, GARY, WV 24836-0182 |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 7, 2021 · Amount on Record |
| Deed Sale | Jan 7, 2021 · Amount on Record |
| Deed Document Number | 202100000044 |
| Deed Book / Page | 629 / 492 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MCDOWELL WV |
| Recording Date | Jan 7, 2021 |
| Property Address | 188 LOVERS LN, GARY, WV 24836 |
| Document Number | 000629/492 |
| Book / Page | 629 / 492 |
| Map Reference | MB 32 PG 5 |
| Instrument Date | Dec 18, 2020 |
| Instrument | 202100000044 |
| Transaction Type | Transfer |
| Record Updated | Nov 17, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $352.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | PO BOX 182, GARY, WV 24836-0182 |
| Document Number | 202100000045 |
|---|---|
| Date | Jan 7, 2021 |
| Instrument | 202100000045 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2051 |
Source: McDowell County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | West Virginia |
| County | McDowell County |
| Municipality | Gary City |
| Unified School District | McDowell County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $269.00 (+0.75%) | $19,440 (-) Land $1,800 Building $17,640 | $32,400 (-) Land $3,000 Building $29,400 |
| 2023 | $267.00 | $19,440 Land $1,800 Building $17,640 | $32,400 Land $3,000 Building $29,400 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective June 16, 2005 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 24 (1995–2010) |
| Claims Outside the SFHA | 6 of 24 |
| Most Recent Claim | Jun 2010 · Severe Storms, Flooding, Mudslides, And Landslides |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 63% of the US · above 82% of West Virginia |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF GARY serves 1,633 people · EPA ID WV3302420 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2024 |
| Lead | 2 ppb (2026) action level 15 ppb |
Listed by EPA as a serious violator, with a treatment or procedure violation still open.
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Sanitary survey deficiency not corrected currently in violation since Dec 2019 Coliform assessment currently in violation since Jun 2016 |
| Monitoring and Reporting | 115 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.
Source: FCC Broadband Data Collection, based on 60 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Glo Fiber Fiber | 1,000 / 50 |
5G and 4G LTE (outdoors only)
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