Hardy County property record for 3285 Upper Cove Rd, Mathias, WV 26812
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 2 ba · 1,860 sqft · built 2015 |
| Lot Size | 11.8 acres (515,315 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $648 (2026) |
| Deeds & Mortgages | May 2019 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-508-0031.0005 |
| Primary APN | 02-508-0031.0005 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,860 sqft Living Area |
| 1st Floor Area | 3,720 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2015 |
|---|---|
| Effective Year Built | Effective 2015 |
| Architectural Style | Ranch |
| Construction Type | Frame |
| Lot Area | 515,315 sqft (11.8 acres) |
| Terrain | Rolling |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 3285 UPPER COVE RD |
|---|---|
| City | MATHIAS |
| State | WV |
| Zip | 26812-8123 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | 11.83 AC SOUDER PROPERTY |
| Jurisdiction | HARDY WV |
| Township / Civil Division | LOST RIVER |
| Census Block Group | 4 |
| Census Block | 4000 |
| Census Tract | 970300 |
3285 Upper Cove Rd, a rural home, is owned and occupied by two individuals.
Source: Hardy County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3285 UPPER COVE RD, MATHIAS, WV 26812-8123 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARDY WV |
| Property Address | 3285 UPPER COVE RD, MATHIAS, WV 26812-8123 |
| Transaction Type | Mortgage |
| Record Updated | Nov 17, 2025 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0000313/68 |
|---|---|
| Date | May 9, 2019 |
| Book Page | 313/68 |
| Instrument | 214058 |
| Name | SUMMIT COMMUNITY BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 3285 Upper Cove Rd was $648, up 8.5% 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 | $648.00 (+8.54%) | $84,360 (+8.57%) Land $14,100 Building $70,260 | $140,600 (+8.57%) Land $23,500 Building $117,100 |
| 2025 | $597.00 | $77,700 Land $14,100 Building $63,600 | $129,500 Land $23,500 Building $106,000 |
| 2023 | $610.00 | $79,080 Land $14,100 Building $64,980 | $131,800 Land $23,500 Building $108,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3285 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 3285 Upper Cove Rd is moderate, ranking above 58% 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 58% of the US · above 79% 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
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