Hardy County property record for 3082 Upper Cove Rd, Mathias, WV 26812
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,456 sqft · built 2018 |
| Lot Size | 1.18 acres (51,401 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $723 (2026) |
| Deeds & Mortgages | Oct 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-508-0023.0003 |
| Primary APN | 02-508-0023.0003 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,456 sqft Living Area |
| 1st Floor Area | 2,912 sqft |
| Family Room | Family Room |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Architectural Style | Ranch |
| Construction Type | Frame |
| Lot Area | 51,401 sqft (1.18 acres) |
| Terrain | Rolling |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 3082 UPPER COVE RD |
|---|---|
| City | MATHIAS |
| State | WV |
| Zip | 26812-8121 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 1.18 AC ADA BARB EST WHETZEL |
| Jurisdiction | HARDY WV |
| Township / Civil Division | LOST RIVER |
| Census Block Group | 4 |
| Census Block | 4006 |
| Census Tract | 970300 |
3082 Upper Cove Rd is owned and occupied by an individual.
Source: Hardy 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 | 3082 UPPER COVE RD, MATHIAS, WV 26812-8121 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARDY WV |
| Property Address | 3082 UPPER COVE RD, MATHIAS, WV 26812-8121 |
| Transaction Type | Mortgage |
| Record Updated | Oct 28, 2021 |
| Name | Verified Name |
|---|
| Document Number | 324/557 |
|---|---|
| Date | Oct 27, 2020 |
| Book Page | 324/557 |
| Instrument | 220320 |
| Name | SUMMIT COMMUNITY BANK |
|---|
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 3082 Upper Cove Rd was $723, up 7.4% from the year before.
Source: Hardy County assessment roll, as of November 17, 2025
| Type | Name |
|---|---|
| State | West Virginia |
| County | Hardy County |
| Unified School District | Hardy County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $723.00 (+7.43%) | $94,080 (+7.4%) Land $14,160 Building $79,920 | $156,800 (+7.4%) Land $23,600 Building $133,200 |
| 2025 | $673.00 | $87,600 Land $13,260 Building $74,340 | $146,000 Land $22,100 Building $123,900 |
| 2023 | $650.00 | $84,180 Land $13,260 Building $70,920 | $140,300 Land $22,100 Building $118,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3082 Upper Cove Rd in Zone X, an area of minimal flood risk.
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 risk around 3082 Upper Cove Rd is moderate, ranking above 62% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 62% of the US · above 81% of West Virginia |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 14 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Hardy Telecommunications Fiber | 1,000 / 1,000 |
No cell data coverage reported
Search by:
By searching, you agree to: Terms • Privacy • Disclosures