326 S Main St, Keyser, WV 26726 Property Records

Mineral County property record for 326 S Main St, Keyser, WV 26726

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,237 sqft · built 1912
Lot Size	0.117 acres (5,097 sqft)
Owner	Individual Name on File
Last Sale	$110,000 (Sep 2022)
Tax Bill	$632 (2026)
Deeds & Mortgages	Dec 2025 Mortgage May 2020 Mortgage + 3 more
Flood Zone	Zone AE (high risk)
APN	`07-9-0413.0000`

Property Details

APN / Parcel Number

Primary APN	`07-9-0413.0000`
Alternative APN	`29-07-9-0413.0000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,237 sqft Living Area
1st Floor Area	2,266 sqft

Exterior

Year Built	Built 1912
Effective Year Built	Effective 1912
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Concrete Block
Lot Area	5,097 sqft (0.117 acres)
Lot Dimensions	121 ft deep x 50 ft wide
Porch	Porch
Porch Area	49 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	326 S MAIN ST
City	KEYSER
State	WV
Zip	26726-3026
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 138 & PT 137 S MAIN BAILEY FIELD -
Legal Subdivision	BAILEY FIELD ADD TO KEYSER SUB
Legal Lot Number	138
Jurisdiction	MINERAL WV
Township / Civil Division	2
Census Block Group	2
Census Block	2024
Census Tract	10500

Owner

326 S Main St is owned and occupied by an individual who bought it in September 2022.

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

Owner of Record	Individual Name on File
Mailing Address	326 S MAIN ST, KEYSER, WV 26726-3026
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

Date	Document
Dec 3, 2025	Deed of Trust, Mortgage · VA Mortgage AMERICAN FINANCING CORP
May 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage C & F MORTGAGE CORP
Sep 7, 2022	Deed of Trust, Mortgage · Conventional Mortgage CHURCHILL MORTGAGE CORP
May 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage C & F MORTGAGE CORP
Apr 26, 2019	Deed, Transfer · Conventional Mortgage C & F MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 7, 2022 · Amount on File
Deed Sale	Sep 7, 2022 · Amount on File
Prior Sale	Apr 26, 2019 · Amount on File
Deed Document Number	2022194992
Deed Book / Page	400 / 729
Prior Transfer Date	Sep 11, 2018
Prior Transfer Doc	0000165217
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MINERAL WV
Property Address	326 S MAIN ST, KEYSER, WV 26726-3026
Transaction Type	Mortgage
Record Updated	Jan 1, 2026
Title Company	PROPERTY TITLE AND ESCROW LLC, PRIORITY TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	326 S MAIN ST, KEYSER, WV 26726-3026

Mortgage

Document Number	000669/898
Date	Dec 3, 2025
Book Page	669/898
Instrument	214000

Lender

Name	AMERICAN FINANCING CORP
Type	Lending Institution
Address	AURORA, CO 80014

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2055

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MINERAL WV
Property Address	326 S MAIN ST, KEYSER, WV 26726-3026
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000602/720
Date	May 29, 2020
Book Page	602/720
Instrument	177761

Lender

Name	C & F MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2050

Interest

Rate Type	Fixed Rate

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MINERAL WV
Property Address	326 S MAIN ST, KEYSER, WV 26726-3026
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000639/541
Date	Sep 7, 2022
Book Page	639/541
Instrument	194993

Lender

Name	CHURCHILL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 1, 2037

Interest

Rate Type	Fixed Rate

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MINERAL WV
Property Address	326 S MAIN ST, KEYSER, WV 26726-3026
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	602/720
Date	May 29, 2020
Book Page	602/720
Instrument	177761

Lender

Name	C & F MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2050

Interest

Rate Type	Fixed Rate

April 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	MINERAL WV
Recording Date	Apr 26, 2019
Property Address	326 S MAIN ST, KEYSER, WV 26726-3026
Document Number	000382/935
Book / Page	382 / 935
Map Reference	DB 380 PG 413
Instrument Date	Apr 19, 2019
Instrument	169219
Transaction Type	Transfer
Record Updated	Jun 13, 2023

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$515.90
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000590/50
Date	Apr 26, 2019
Book Page	590/50
Instrument	169220

Lender

Name	C & F MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2049

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 326 S Main St was $632, up 3.8% 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	$632.00 (+3.78%)	$40,260 (+3.71%) Land $3,900 Building $36,360	$67,100 (+3.71%) Land $6,500 Building $60,600
2025	$609.00	$38,820 Land $3,900 Building $34,920	$64,700 Land $6,500 Building $58,200
2023	$561.00	$35,820 (-) Land $3,900 Building $31,920	$59,700 (-) Land $6,500 Building $53,200
2022	$561.00	$35,820 Land $3,900 Building $31,920	$59,700 Land $6,500 Building $53,200

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 326 S Main St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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
Flood Insurance Cost	Premium on File median of 26 policies
Nearby Flood Policies	26 in force
Nearby Flood Claims	67 (1979–2025)
Claims Outside the SFHA	11 of 67
Most Recent Claim	May 2025 · river or lake flooding
Claims by Event	Hurricane Fran And Associated Heavy Rains,flooding Highwind, Sep 1996 · 25 claims Flooding, Jan 1996 · 10 claims Severe Storms, Heavy Rains, Flooding, Mudslides, Jun 1995 · 8 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 326 S Main 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 80% of the US · lower than 79% of West Virginia
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach

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 475 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless	100 / 20

May also be available: Breezeline, T-Mobile.

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