22 Pender Ln, Keyser, WV 26726 Property Records

Mineral County property record for 22 Pender Ln, Keyser, WV 26726

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,344 sqft · built 1990
Lot Size	1.03 acres (44,867 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,130 (2026)
Deeds & Mortgages	Aug 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`06-20-0044.0011`

Property Details

APN / Parcel Number

Primary APN	`06-20-0044.0011`
Alternative APN	`29-06-20-0044.0011`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,344 sqft Living Area
1st Floor Area	2,320 sqft

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	44,867 sqft (1.03 acres)
Garage Area	576 sqft
Patio Area	264 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	22 PENDER LN
City	KEYSER
State	WV
Zip	26726-8399
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 10 HIDDEN VIEW ESTATES /1.036AC/PB5/125
Legal Subdivision	HIDDEN VIEW
Legal Lot Number	10
Jurisdiction	MINERAL WV
Township / Civil Division	2
Census Block Group	3
Census Block	3027
Census Tract	10500

Owner

Source: Mineral County records, as of October 20, 2026

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	22 PENDER LN, KEYSER, WV 26726-8399
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MINERAL WV
Property Address	22 PENDER LN, KEYSER, WV 26726-8399
Transaction Type	Mortgage
Record Updated	Oct 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 PENDER LN, KEYSER, WV 26726-8399

Mortgage

Document Number	0000648/33
Date	Aug 15, 2023
Book Page	648/33
Instrument	200819

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Jul 25, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Mineral County assessment roll, as of November 24, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,130.00 (+2.91%)	$94,620 (+2.8%) Land $10,380 Building $84,240	$157,700 (+2.8%) Land $17,300 Building $140,400
2025	$1,098.00 (+6.91%)	$92,040 (+6.97%) Land $10,380 Building $81,660	$153,400 (+6.97%) Land $17,300 Building $136,100
2023	$1,027.00	$86,040 (-) Land $10,380 Building $75,660	$143,400 (-) Land $17,300 Building $126,100
2022	$1,027.00	$86,040 Land $10,380 Building $75,660	$143,400 Land $17,300 Building $126,100

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 March 19, 2013 · 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 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	35 (1985–2025)
Claims Outside the SFHA	4 of 35
Most Recent Claim	May 2025 · river or lake flooding
Claims by Event	Hurricane Fran And Associated Heavy Rains,flooding Highwind, Sep 1996 · 17 claims Flooding, Jan 1996 · 7 claims Severe Storms, Heavy Rains, Flooding, Mudslides, Jun 1995 · 8 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 42% of the US · above 60% of West Virginia
Wildfire Likelihood	0.06% 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 87 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 250
Starlink Satellite	280 / 30