305 N Water St, Keyser, WV 26726 Property Records

Mineral County property record for 305 N Water St, Keyser, WV 26726

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,552 sqft · built 1900
Lot Size	0.518 acres (22,564 sqft)
Owner	2 Individual Names on File
Last Sale	$62,000 (Mar 2020)
Tax Bill	$346 (2026)
Deeds & Mortgages	Mar 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-7-0084.0000`

Property Details

APN / Parcel Number

Primary APN	`07-7-0084.0000`
Alternative APN	`29-07-7-0084.0000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,552 sqft Living Area
1st Floor Area	1,552 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Lot Area	22,564 sqft (0.518 acres)
Lot Dimensions	275 ft deep x 84.9 ft wide
Garage Type	Attached
Garage Area	280 sqft
Porch	Porch
Porch Area	164 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	305 N WATER ST
City	KEYSER
State	WV
Zip	26726-3612
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	.48 AC DAVIS MAP-N WATER ST
Jurisdiction	MINERAL WV
Township / Civil Division	2
Census Block Group	1
Census Block	1016
Census Tract	10500

Owner

305 N Water St is owned and occupied by two individuals who bought it in March 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	305 N WATER ST, KEYSER, WV 26726-3612
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 3, 2020 · Amount on File
Deed Sale	Mar 3, 2020 · Amount on File
Deed Document Number	2020176281
Deed Book / Page	387 / 89
Record Updated	Oct 29, 2026

March 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	MINERAL WV
Recording Date	Mar 3, 2020
Property Address	305 N WATER ST, KEYSER, WV 26726-3612
Document Number	0000387/89
Book / Page	387 / 89
Map Reference	DB 74 PG 50
Instrument Date	Feb 28, 2020
Instrument	176281
Transaction Type	Transfer
Record Updated	Jun 13, 2023

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship

Mortgage

Document Number	0000600/65
Date	Mar 3, 2020
Book Page	600/65
Instrument	176282

Lender

Name	WEPCO FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Mar 1, 2035

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 305 N Water St was $346 with a homeowner's exemption, up 8.5% from the year before.

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	$346.00 (+8.46%)	$42,060 (+4.16%) Land $1,980 Building $40,080	$70,100 (+4.16%) Land $3,300 Building $66,800
2025	$319.00 Homeowner's exemption	$40,380 Land $1,980 Building $38,400	$67,300 Land $3,300 Building $64,000
2023	$277.00 (+10.8%) Homeowner's exemption	$37,680 (+4.84%) Land $1,980 Building $35,700	$62,800 (+4.84%) Land $3,300 Building $59,500
2022	$250.00 Homeowner's exemption	$35,940 Land $1,980 Building $33,960	$59,900 Land $3,300 Building $56,600

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

Flood

FEMA maps place 305 N Water St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
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

Wildfire risk around 305 N Water St is low, with a 0.01% annual chance of 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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