199 Kelcar Dr, Summit Point, WV 25446 Property Records

Jefferson County property record for 199 Kelcar Dr, Summit Point, WV 25446

Property Summary

Property Type	Rural Home
Details	4 bd · 4 ba · 3,697 sqft · built 2006
Lot Size	3.75 acres (163,350 sqft)
Tax Bill	$3,111 (2025)
Deeds & Mortgages	Aug 2022 Second Mortgage Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-18-0006.0009`

Property Details

APN / Parcel Number

Primary APN	`06-18-0006.0009`
Alternative APN	`19-06-18-0006.0009`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	3,697 sqft Living Area
1st Floor Area	1,316 sqft
Basement Area	836 sqft
Finished Basement	836 sqft
Family Room	Family Room

Exterior

Year Built	Built 2006
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	163,350 sqft (3.75 acres)
Terrain	Rolling

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	199 KELCAR DR
City	SUMMIT POINT
State	WV
Zip	25446-3605
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	LT 3 HAY-WOOD ACRES (3.75 AC)
Legal Subdivision	HAY-WOOD ACRES
Legal Lot Number	3
Jurisdiction	JEFFERSON WV
Township / Civil Division	KABLETOWN
Census Block Group	3
Census Block	3028
Census Tract	972800

Owner

Source: Jefferson County records, as of November 13, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Mailing Address	199 KELCAR DR, SUMMIT POINT, WV 25446-3605
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Aug 26, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
Apr 1, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Oct 23, 2019	Deed of Trust, Mortgage · Conventional with PMI BANK OF CHARLESTOWN

Assessor's Deed Record

Last Transfer Date	May 2, 2008
Record Updated	Jun 8, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON WV
Property Address	199 KELCAR DR, SUMMIT POINT, WV 25446-3605
Transaction Type	Mortgage
Record Updated	Sep 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002475/744
Date	Aug 26, 2022
Book Page	2475/744
Instrument	202200011834

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Jul 1, 2037

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON WV
Property Address	199 KELCAR DR, SUMMIT POINT, WV 25446-3605
Transaction Type	Mortgage
Record Updated	Apr 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	199 KELCAR DR, SUMMIT POINT, WV 25446-3605

Mortgage

Document Number	002364/413
Date	Apr 1, 2021
Book Page	2364/413
Instrument	202100005642

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	293 Months
Due	Sep 1, 2045

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON WV
Property Address	199 KELCAR DR, SUMMIT POINT, WV 25446-3605
Document Number	0000013990
Instrument Date	Oct 23, 2019
Transaction Type	Mortgage
Record Updated	Nov 12, 2019
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	190 KELCAR DR SUMMIT POINT WV 254464506, SUMMIT POINT, WV 25446-4506

Mortgage

Document Number	0000013990
Date	Oct 28, 2019
Book Page	002249/000071
Instrument	13990

Lender

Name	BANK OF CHARLESTOWN
Type	Bank
Address	CHARLES TOWN, WV 25414

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	180 Months
Due	Oct 27, 2034

Tax Assessment & Valuation

Source: Jefferson County assessment roll, as of July 1, 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
2025	$3,111.00 (+7.09%)	$267,800 (+7.64%) Land $52,900 Building $214,900	$446,300 (+7.62%) Land $88,100 Building $358,200
2023	$2,905.00	$248,800 Land $51,300 Building $197,500	$414,700 Land $85,500 Building $329,200

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

Flood

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	4 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

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

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	25 / 3

May also be available: All Points Broadband, Verizon, Xfinity.

Cell Coverage

5G (outdoors only) and 4G LTE

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