196 Stratus Dr, Cabins, WV 26855 Property Records

Grant County property record for 196 Stratus Dr, Cabins, WV 26855

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,500 sqft · built 1994
Lot Size	1.1 acres (47,916 sqft)
Owner	2 Individual Names on File
Last Sale	$149,000 (Mar 2020)
Tax Bill	$585 (2025)
Deeds & Mortgages	Jun 2017 Mortgage Nov 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`03-427-0045.0000`

Property Details

APN / Parcel Number

Primary APN	`03-427-0045.0000`
Alternative APN	`12-03-427-0045.0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,500 sqft Living Area
1st Floor Area	3,000 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	47,916 sqft (1.1 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	196 STRATUS DR
City	CABINS
State	WV
Zip	26855-9576
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1.10 AC LOT 13 SKY VALLEY SEC I
Legal Subdivision	03 92 0000-00 427 0045
Legal Lot Number	13
Jurisdiction	GRANT WV
Township / Civil Division	UNION
Census Block Group	2
Census Block	2054
Census Tract	969500

Owner

196 Stratus Dr is owned and occupied by two individuals who bought it in March 2020.

Source: Grant County records, as of November 25, 2025

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	2 Individual Names on File
Mailing Address	196 STRATUS DR, CABINS, WV 26855-9576
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 16, 2017	Deed of Trust, Mortgage · Commercial Mortgage SUMMIT COMMUNITY BANK
Nov 10, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Mar 31, 2020	Deed, Transfer · FHA Mortgage HOME POINT FINANCIAL CORPORATION
Apr 19, 2017	Intrafamily Transfer, Transfer SUMMIT COMMUNITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 31, 2020 · Amount on File
Deed Sale	Mar 31, 2020 · Amount on File
Deed Document Number	2020916
Deed Book / Page	292 / 222
Prior Transfer Date	Mar 23, 2017
Prior Transfer Doc	000278/399
Record Updated	Jun 8, 2026

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRANT WV
Property Address	196 STRATUS DR, CABINS, WV 26855-9576
Transaction Type	Mortgage
Record Updated	Jan 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000276/388
Date	Jun 16, 2017
Book Page	276/388
Instrument	2017001949

Lender

Name	SUMMIT COMMUNITY BANK
Type	Bank
Address	MOOREFIELD, WV 26836

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRANT WV
Property Address	196 STRATUS DR, CABINS, WV 26855-9576
Transaction Type	Mortgage
Record Updated	Jan 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	196 STRATUS DR, CABINS, WV 26855-9576

Mortgage

Document Number	0000308/43
Date	Nov 10, 2021
Book Page	308/43
Instrument	202100003408

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	342 Months
Due	May 1, 2050

March 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	GRANT WV
Recording Date	Mar 31, 2020
Property Address	196 STRATUS DR, CABINS, WV 26855-9576
Document Number	000292/222
Book / Page	292 / 222
Instrument Date	Mar 30, 2020
Instrument	2020000916
Transaction Type	Transfer
Record Updated	Jan 28, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$655.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	196 STRATUS DR, CABINS, WV 26855-9576

Mortgage

Document Number	2020000917
Date	Mar 31, 2020
Instrument	2020000917

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

April 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	GRANT WV
Recording Date	Apr 19, 2017
Property Address	196 STRATUS DR, CABINS, WV 26855-9576
Document Number	278/399
Book / Page	278 / 399
Map Reference	MB 4 PG 16
Instrument Date	Mar 23, 2017
Instrument	2017001252
Transaction Type	Transfer
Record Updated	Nov 1, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2017001253
Date	Apr 19, 2017
Instrument	2017001253

Lender

Name	SUMMIT COMMUNITY BANK
Type	Bank

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 196 Stratus Dr was $585.

Source: Grant County assessment roll, as of November 25, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$585.00	$75,240 Land $18,060 Building $57,180	$125,400 Land $30,100 Building $95,300
2023	$595.00	$74,220 Land $18,060 Building $56,160	$123,700 Land $30,100 Building $93,600

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

FEMA maps place 196 Stratus Dr in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1996.

Source: FEMA National Flood Hazard Layer, effective February 3, 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
Flood Insurance Cost	Premium on File median of 23 policies
Nearby Flood Policies	23 in force
Nearby Flood Claims	8 (1996–2020)
Claims Outside the SFHA	4 of 8
Most Recent Claim	Jun 2020 · rainfall accumulation
Claims by Event	Hurricane Fran And Associated Heavy Rains,flooding Highwind, Sep 1996 · 4 claims Flooding, Jan 1996 · 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

Wildfire risk around 196 Stratus Dr is moderate, ranking above 44% of the US, with a 0.06% annual chance of 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	0.06% 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 61 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Glo Fiber Cable · Fiber in parts of the area	1,000 / 50

Cell Coverage

5G and 4G LTE (outdoors only)

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