3256 Howells Mill Rd, Ona, WV 25545 Property Records

Cabell County property record for 3256 Howells Mill Rd, Ona, WV 25545

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,512 sqft · built 1978
Lot Size	2.26 acres (98,446 sqft)
Owner	Individual Name on Record
Tax Bill	$430 (2026)
Deeds & Mortgages	Dec 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-31-0019.0001`

Property Details

APN / Parcel Number

Primary APN	`10-31-0019.0001`
Alternative APN	`06-10-31-0019.0001`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,512 sqft Living Area
1st Floor Area	2,016 sqft
Basement Area	504 sqft
Finished Basement	504 sqft

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	98,446 sqft (2.26 acres)
Terrain	Above Road/Slope

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3256 HOWELLS MILL RD
City	ONA
State	WV
Zip	25545-7556
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2.26 AC BIG CABELL CRK 3256 HOWELLS MILL RD ONA
Legal Subdivision	CLIFFORD CHAPMAN
Jurisdiction	CABELL WV
Township / Civil Division	3
Census Block Group	2
Census Block	2006
Census Tract	10702

Owner

Source: Cabell 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	Individual Name on Record
Mailing Address	3256 HOWELLS MILL RD, ONA, WV 25545-7556
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABELL WV
Property Address	3256 HOWELLS MILL RD, ONA, WV 25545-7556
Transaction Type	Mortgage
Record Updated	Oct 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002910/215
Date	Dec 5, 2022
Book Page	2910/215
Instrument	6149678

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2052

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Cabell County assessment roll, as of November 14, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$430.00 (+10.54%)	$51,780 (+6.81%) Land $19,200 Building $32,580	$86,300 (+6.81%) Land $32,000 Building $54,300
2025	$389.00 (+6.87%) Homeowner's exemption	$48,480 (+4.12%) Land $17,520 Building $30,960	$80,800 (+4.12%) Land $29,200 Building $51,600
2023	$364.00 (+8.66%) Homeowner's exemption	$46,560 (+5.15%) Land $14,520 Building $32,040	$77,600 (+5.15%) Land $24,200 Building $53,400
2022	$335.00 Homeowner's exemption	$44,280 Land $14,520 Building $29,760	$73,800 Land $24,200 Building $49,600

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 September 24, 2026 · 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	8 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 43% of the US · above 61% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WVAWC - HUNTINGTON DIST private · serves 98,647 people · EPA ID WV3300608
Water Source	Surface water
Last State Inspection	Nov 2024
Lead	1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 23 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Optimum Cable	940 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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