243 N Water St, Keyser, WV 26726 Property Records

Mineral County property record for 243 N Water St, Keyser, WV 26726

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,029 sqft · built 1900
Lot Size	0.077 acres (3,354 sqft)
Owner	Individual Name on File
Last Sale	$35,000 (Oct 2005)
Tax Bill	$415 (2026)
Deeds & Mortgages	Sep 2021 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`07-7-0080.0000`

Property Details

APN / Parcel Number

Primary APN	`07-7-0080.0000`
Alternative APN	`29-07-7-0080.0000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,029 sqft Living Area
1st Floor Area	1,176 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Conventional
Construction Type	Frame
Foundation Type	Raised
Lot Area	3,354 sqft (0.077 acres)
Lot Dimensions	115 ft deep x 30 ft wide
Porch	Porch
Porch Area	133 sqft
Patio Area	60 sqft

Utilities, Heating & Cooling

Heating System	HVAC
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	243 N WATER ST
City	KEYSER
State	WV
Zip	26726-3613
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FEE .07 AC N WATER ST 30X55.85X1X66.91X26.88 X106.9 INCL 19' STRIP RENTAL
Jurisdiction	MINERAL WV
Township / Civil Division	2
Census Block Group	1
Census Block	1016
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	Individual Name on File
Mailing Address	243 N WATER ST, KEYSER, WV 26726-3613
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 28, 2005 · Amount on File
Deed Sale	Oct 28, 2005 · Amount on File
Deed Document Number	200553059
Deed Book / Page	323 / 134
Record Updated	Oct 29, 2026

September 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	MINERAL WV
Recording Date	Sep 27, 2021
Property Address	243 N WATER ST, KEYSER, WV 26726-3613
Document Number	000396/241
Book / Page	396 / 241
Map Reference	BK 323 PG 134
Instrument Date	Sep 21, 2021
Instrument	187429
Transaction Type	Transfer
Record Updated	Oct 10, 2023

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$462.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	626/486
Date	Sep 27, 2021
Book Page	626/486
Instrument	187430

Lender

Name	C & F MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2051

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$415.00 (+2.98%)	$26,460 (+2.8%) Land $1,020 Building $25,440	$44,100 (+2.8%) Land $1,700 Building $42,400
2025	$403.00 (+7.47%)	$25,740 (+7.52%) Land $1,020 Building $24,720	$42,900 (+7.52%) Land $1,700 Building $41,200
2023	$375.00 (-50.07%)	$23,940 (-) Land $1,020 Building $22,920	$39,900 (-) Land $1,700 Building $38,200
2022	$751.00	$23,940 Land $1,020 Building $22,920	$39,900 Land $1,700 Building $38,200

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 March 19, 2013 · 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
Nearby Flood Policies	1 in force
Nearby Flood Claims	13 (1985–2009)
Claims Outside the SFHA	1 of 13
Most Recent Claim	Jun 2009 · rainfall accumulation
Claims by Event	Hurricane Fran And Associated Heavy Rains,flooding Highwind, Sep 1996 · 7 claims Flooding, Jan 1996 · 2 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	Low lower than 94% of the US · lower than 99.2% of West Virginia
Wildfire Likelihood	0.01% 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 58 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Frontier, Verizon.

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