Putnam County property record for 195 Lock 9 Rd, Buffalo, WV 25033
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,180 sqft · built 2020 |
| Lot Size | 1.21 acres (53,056 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $37,500 (Feb 2019) |
| Tax Bill | $1,851 (2026) |
| Deeds & Mortgages | May 2026 Mortgage Jan 2020 Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 02-152-0013.0010 |
| Primary APN | 02-152-0013.0010 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,180 sqft Living Area |
| 1st Floor Area | 4,360 sqft |
| Family Room | Family Room |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Raised |
| Lot Area | 53,056 sqft (1.21 acres) |
| Terrain | Rolling |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Water Source | Commercial |
| Account Number | 00028416 |
|---|---|
| Street Address | 195 LOCK 9 RD |
| City | BUFFALO |
| State | WV |
| Zip | 25033-7513 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 1.218 ACRES KAN RIVER |
| Legal Subdivision | KANAWHA RIVER SUB |
| Jurisdiction | PUTNAM WV |
| Township / Civil Division | 1 |
| Census Block Group | 2 |
| Census Block | 2040 |
| Census Tract | 20200 |
Source: Putnam County records, as of October 20, 2026
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 |
|---|---|
| Mailing Address | 127 LOCK 9 RD, BUFFALO, WV 25033-7513 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 13, 2026 | Deed of Trust, Mortgage · FHA Mortgage UNITED MORTGAGE LENDING |
| Jan 27, 2020 | Deed of Trust, Mortgage · Conventional Mortgage POCA VALLEY BANK |
| Feb 28, 2019 | Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 28, 2019 · Amount on Record |
| Deed Sale | Feb 28, 2019 · Amount on Record |
| Deed Document Number | 20194578030005 |
| Deed Book / Page | 573 / 974 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PUTNAM WV |
| Recording Date | May 13, 2026 |
| Property Address | 195 LOCK 9 RD, BUFFALO, WV 25033-7513 |
| Document Number | 1412000061 |
| Book / Page | 1412 / 61 |
| Instrument Date | May 5, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 195 LOCK 9 RD, BUFFALO, WV 25033-7513 |
| Document Number | 1412000061, |
|---|---|
| Date | May 13, 2026 |
| Book Page | 1412/61 |
| Name | UNITED MORTGAGE LENDING |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate | 6.37% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PUTNAM WV |
| Property Address | 195 LOCK 9 RD, BUFFALO, WV 25033-7513 |
| Transaction Type | Mortgage |
| Record Updated | Nov 14, 2022 |
| Name | Verified Name |
|---|
| Document Number | 001234/108 |
|---|---|
| Date | Jan 27, 2020 |
| Book Page | 1234/108 |
| Instrument | 004780630010 |
| Name | POCA VALLEY BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 5, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | PUTNAM WV |
| Recording Date | Feb 28, 2019 |
| Property Address | 195 LOCK 9 RD, BUFFALO, WV 25033-7513 |
| Document Number | 000573/974 |
| Book / Page | 573 / 974 |
| Map Reference | DB 346 PG 496 |
| Instrument Date | Feb 6, 2019 |
| Instrument | 004578030005 |
| Transaction Type | Transfer |
| Record Updated | Nov 14, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $165.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 127 LOCK 9 RD, BUFFALO, WV 25033-7513 |
Source: Putnam County assessment roll, as of December 5, 2025
| Type | Name |
|---|---|
| State | West Virginia |
| County | Putnam County |
| Unified School District | Putnam County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,851.00 (+4.75%) | $148,020 (+5.88%) Land $23,880 Building $124,140 | $246,700 (+5.88%) Land $39,800 Building $206,900 |
| 2025 | $1,767.00 (+19.39%) | $139,800 (+14.72%) Land $21,780 Building $118,020 | $233,000 (+14.72%) Land $36,300 Building $196,700 |
| 2023 | $1,480.00 (-2.7%) | $121,860 (-3.47%) Land $18,720 Building $103,140 | $203,100 (-3.47%) Land $31,200 Building $171,900 |
| 2022 | $1,521.00 | $126,240 Land $26,160 Building $100,080 | $210,400 Land $43,600 Building $166,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective February 2, 2012 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 22 policies |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 22 in force |
| Nearby Flood Claims | 3 (2006–2025) |
| Most Recent Claim | Feb 2025 · 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 99.8% of West Virginia |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 36 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 5,000 / 5,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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