276 Mountain Laurel Ln, Baker, WV 26801 Property Records

Hardy County property record for 276 Mountain Laurel Ln, Baker, WV 26801

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 3,096 sqft · built 1995
Lot Size	6.92 acres (301,435 sqft)
Owner	2 Individual Names on Record
Tax Bill	$700 (2026)
Deeds & Mortgages	Jun 2026 Line of Credit Feb 2019 Refinance
Flood Zone	Zone X (minimal risk)
APN	`02-329-0065.0004`

Property Details

APN / Parcel Number

Primary APN	`02-329-0065.0004`
Alternative APN	`16-02-329-0065.0004`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	3,096 sqft Living Area
1st Floor Area	2,040 sqft
Basement Area	1,020 sqft
Finished Basement	1,020 sqft

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Other
Construction Type	Frame
Lot Area	301,435 sqft (6.92 acres)
Terrain	Rolling

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	276 MOUNTAIN LAUREL LN
City	BAKER
State	WV
Zip	26801-8709
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ROLLING HILLS EST LTS B2&4 POW 6.92 AC C.CRT.CSLD.W/PCL 65.2
Legal Subdivision	ROLLING HILLS ESTATE SUBDIVISION
Jurisdiction	HARDY WV
Township / Civil Division	LOST RIVER
Census Block Group	1
Census Block	1053
Census Tract	970202

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	276 MOUNTAIN LAUREL LN, BAKER, WV 26801-8709
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 11, 2026	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Feb 8, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance NAVY FCU

Assessor's Deed Record

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

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARDY WV
Recording Date	Jun 11, 2026
Property Address	276 MOUNTAIN LAUREL LN, BAKER, WV 26801-8709
Document Number	0000244571
Book / Page	366 / 153
Instrument Date	May 28, 2026
Instrument	2026244571
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	276 MOUNTAIN LAUREL LN, BAKER, WV 26801-8709

Mortgage

Document Number	0000244571,
Date	Jun 11, 2026
Book Page	366/153
Instrument	2026244571

Lender

Name	FIGURE LENDING LLC

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jun 23, 2046

Interest

Rate	6.3%
Max Rate	-1%

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARDY WV
Property Address	276 MOUNTAIN LAUREL LN, BAKER, WV 26801-8709
Transaction Type	Mortgage
Record Updated	Nov 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000311/350
Date	Feb 8, 2019
Book Page	311/350
Instrument	212981

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2049

Tax Assessment & Valuation

Source: Hardy County assessment roll, as of November 17, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$700.00 (+7.86%)	$111,180 (+6.43%) Land $30,120 Building $81,060	$185,300 (+6.43%) Land $50,200 Building $135,100
2025	$649.00 (-3.28%) Homeowner's exemption Disabled Person's exemption	$104,460 (-2.3%) Land $23,400 Building $81,060	$174,100 (-2.3%) Land $39,000 Building $135,100
2023	$671.00 Homeowner's exemption Disabled Person's exemption	$106,920 Land $23,400 Building $83,520	$178,200 Land $39,000 Building $139,200

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 November 15, 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
Nearby Flood Policies	1 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	Moderate above 44% of the US · above 63% of West Virginia
Wildfire Likelihood	0.07% 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 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Hardy Telecommunications Fiber	1,000 / 1,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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