Cabell County property record for 2 Waterside Cir, Ona, WV 25545
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,652 sqft · built 2016 |
| Lot Size | 0.31 acres (13,504 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $385,000 (May 2020) |
| Tax Bill | $3,434 (2026) |
| Deeds & Mortgages | Feb 2018 Mortgage May 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-10-0020.0001 |
| Primary APN | 01-10-0020.0001 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,652 sqft Living Area |
| 1st Floor Area | 2,152 sqft |
| Family Room | Family Room |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2016 |
| Architectural Style | Conventional |
| Construction Type | Frame |
| Foundation Type | Raised |
| Lot Area | 13,504 sqft (0.31 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 2 WATERSIDE CIR |
|---|---|
| City | ONA |
| State | WV |
| Zip | 25545-1149 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 2 BRECKENRIDGE SUB SEC 2 2 WATERSIDE CIR ONA C/F 10/20 2017 TAX YEAR |
| Legal Subdivision | BRECKENRIDGE SUB |
| Legal Lot Number | 2 |
| Jurisdiction | CABELL WV |
| Township / Civil Division | 2 |
| Census Block Group | 4 |
| Census Block | 4031 |
| Census Tract | 10600 |
2 Waterside Cir is owned and occupied by two individuals who bought it in May 2020.
Source: Cabell County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2 WATERSIDE CIR, ONA, WV 25545-1149 |
| 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.
| Date | Document |
|---|---|
| Feb 23, 2018 | Deed of Trust, Mortgage · Conventional Mortgage PUTNAM COUNTY BANK |
| May 11, 2020 | Deed of Trust, Mortgage · ARM UNITED BANK |
| May 11, 2020 | Deed, Transfer · ARM UNITED BANK |
| Feb 23, 2018 | Deed, Subdivision Related Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 11, 2020 · Amount on File |
| Deed Sale | May 11, 2020 · Amount on File |
| Deed Document Number | 20206061163 |
| Deed Book / Page | 1420 / 714 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CABELL WV |
| Property Address | 2 WATERSIDE CIR, ONA, WV 25545-1149 |
| Transaction Type | Mortgage |
| Record Updated | Jun 13, 2023 |
| Name | Verified Name |
|---|
| Document Number | 02694/0054 |
|---|---|
| Date | Feb 23, 2018 |
| Book Page | 2694/0054 |
| Instrument | 5964630 |
| Name | PUTNAM COUNTY BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CABELL WV |
| Property Address | 2 WATERSIDE CIR, ONA, WV 25545-1149 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2778/47 |
|---|---|
| Date | May 11, 2020 |
| Book Page | 2778/47 |
| Instrument | 6061164 |
| Name | UNITED BANK |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jun 1, 2025 |
| Change Frequency | Annually |
| Min Rate At Change | 3% |
| Max Rate At Change | 5.62% |
| Index | 1-Year CMT |
| Margin | 3 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CABELL WV |
| Recording Date | May 11, 2020 |
| Property Address | 2 WATERSIDE CIR, ONA, WV 25545-1149 |
| Document Number | 001420/714 |
| Book / Page | 1420 / 714 |
| Map Reference | DB 1336 PG 276 |
| Instrument Date | May 8, 2020 |
| Instrument | 6061163 |
| Transaction Type | Transfer |
| Record Updated | Jun 13, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,117.50 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Document Number | 0002778/47 |
|---|---|
| Date | May 11, 2020 |
| Book Page | 2778/47 |
| Instrument | 6061164 |
| Name | UNITED BANK |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jun 1, 2025 |
| Change Frequency | Annually |
| Min Rate At Change | 3% |
| Max Rate At Change | 5.62% |
| Index | 1-Year CMT |
| Margin | 3 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CABELL WV |
| Recording Date | Feb 23, 2018 |
| Property Address | 2 WATERSIDE CIR, ONA, WV 25545-1149 |
| Document Number | 1380/0377 |
| Book / Page | 1380 / 0377 |
| Map Reference | DB 1336 PG 276 |
| Instrument Date | Jan 26, 2018 |
| Instrument | 5964627 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | May 20, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4925 VIRGINIA AVE, HURRICANE, WV 25526 |
The 2026 property tax bill for 2 Waterside Cir was $3,434, up 13% from the year before.
Source: Cabell County assessment roll, as of November 14, 2025
| Type | Name |
|---|---|
| State | West Virginia |
| County | Cabell County |
| Unified School District | Cabell County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,434.00 (+12.96%) | $253,440 (+14.04%) Land $67,680 Building $185,760 | $422,400 (+14.04%) Land $112,800 Building $309,600 |
| 2025 | $3,040.00 | $222,240 Land $61,800 Building $160,440 | $370,400 Land $103,000 Building $267,400 |
| 2023 | $3,219.00 (+6.1%) | $234,360 (+6.78%) Land $51,060 Building $183,300 | $390,600 (+6.78%) Land $85,100 Building $305,500 |
| 2022 | $3,034.00 | $219,480 Land $48,840 Building $170,640 | $365,800 Land $81,400 Building $284,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2 Waterside Cir in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · 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 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (1997) |
| Most Recent Claim | Mar 1997 · Heavy & Wind Driven Rain, High Winds,flooding,slides |
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 risk around 2 Waterside Cir is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · above 44% of West Virginia |
|---|---|
| Wildfire Likelihood | 0.03% 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 | WVAWC - HUNTINGTON DIST private · serves 98,647 people · EPA ID WV3300608 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Nov 2024 |
| Lead | 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 57 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Cable | 940 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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