3302 Charleston Rd, Poca, WV 25159 Property Records

Putnam County property record for 3302 Charleston Rd, Poca, WV 25159

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	3 bd · 2 ba · 1,288 sqft · built 1995
Lot Size	0.366 acres (15,943 sqft)
Owner	2 Individual Names on File
Last Sale	$86,000 (Oct 2023)
Tax Bill	$156 (2026)
Deeds & Mortgages	Jul 2026 Mortgage Mar 2024 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`08-206B-0058.0000`

Property Details

APN / Parcel Number

Primary APN	`08-206B-0058.0000`
Alternative APNs	`40-08-206B-0058.0000` `00009500`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,288 sqft Total Area
1st Floor Area	1,288 sqft
Family Room	Family Room

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	15,943 sqft (0.366 acres)
Lot Dimensions	199 ft deep x 73 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	00009500
Street Address	3302 CHARLESTON RD
City	POCA
State	WV
Zip	25159-7310
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Legal Description	PCL B (0.26 AC) HEIZER CREEK
Legal Subdivision	HEIZER CREEK
Legal Lot Number	47
Jurisdiction	PUTNAM WV
Township / Civil Division	1
Census Block Group	4
Census Block	4031
Census Tract	20100

Owner

3302 Charleston Rd, a commercial property, is owned by two individuals who bought it in October 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	63 HEIZER CREEK RD, POCA, WV 25159-0378
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
Jul 15, 2026	Deed of Trust, Mortgage · Balloon Mortgage PUTNAM COUNTY BANK
Mar 1, 2024	Deed of Trust, Mortgage · Conventional Mortgage POCA VALLEY BANK
Oct 19, 2023	Deed, Transfer
Jun 27, 2019	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 19, 2023 · Amount on File
Deed Sale	Oct 19, 2023 · Amount on File
Prior Sale	Aug 11, 2016 · Amount on File
Deed Book / Page	620 / 704
Prior Transfer Date	Oct 16, 2023
Prior Transfer Doc	000620/704
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM WV
Recording Date	Jul 15, 2026
Property Address	3302 CHARLESTON RD, POCA, WV 25159-7310
Document Number	1417000079
Book / Page	1417 / 79
Instrument Date	Jul 10, 2026
Transaction Type	Mortgage
Record Updated	Aug 10, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3302 CHARLESTON RD, POCA, WV 25159-7310

Mortgage

Document Number	1417000079,
Date	Jul 15, 2026
Book Page	1417/79

Lender

Name	PUTNAM COUNTY BANK

Agreement

Type	Balloon Mortgage
Amount	Amount on Record

Interest

Rate Type	Balloon
Rate	6.52%
Initial Type	Balloon
Max Rate	-1%

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM WV
Property Address	3302 CHARLESTON RD, POCA, WV 25159-7310
Transaction Type	Mortgage
Record Updated	Mar 13, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001360/502
Date	Mar 1, 2024
Book Page	1360/502
Instrument	005636370020

Lender

Name	POCA VALLEY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 15, 2054

Interest

Rate Type	Adjustable Rate
Rate	6.36%
Adjustable	Adjustable Rate Rider
Type Change Date	Mar 1, 2020
Change Frequency	Annually
Min Rate At Change	4.36%
Max Rate At Change	8.36%
Index	1-Year CMT
Max Rate	11.3%

October 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	PUTNAM WV
Recording Date	Oct 19, 2023
Property Address	3302 CHARLESTON RD, POCA, WV 25159-7310
Document Number	000620/704
Book / Page	620 / 704
Map Reference	DB 561 PG 446
Instrument Date	Oct 16, 2023
Instrument	005549050002
Transaction Type	Transfer
Record Updated	Dec 5, 2025

Transaction

Amount	Amount on Record
Tax	$378.40
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	63 HEIZER CREEK RD, POCA, WV 25159-0378
Investor	Possibly a Property Investor

June 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	PUTNAM WV
Recording Date	Jun 27, 2019
Property Address	3302 CHARLESTON RD, POCA, WV 25159-7310
Document Number	578/861
Book / Page	578 / 861
Map Reference	DB 552 PG 578
Instrument Date	Jun 24, 2019
Instrument	004653260004
Transaction Type	Transfer
Record Updated	Nov 1, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5 TRAILS END, 5, CROSS LANES, WV 25313-2043

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 TRAILS END, CROSS LANES, WV 25313-2043

Tax Assessment & Valuation

The 2026 property tax bill for 3302 Charleston Rd was $156, down 85.3% from the year before.

Source: Putnam County assessment roll, as of December 5, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$156.00 (-85.34%)	$12,480 (-70.37%) Land $12,000 Building $480	$20,800 (-70.37%) Land $20,000 Building $800
2025	$1,064.00	$42,120 Land $11,100 Building $31,020	$70,200 Land $18,500 Building $51,700
2023	$946.00 (-3.47%)	$38,940 (-4.28%) Land $11,220 Building $27,720	$64,900 (-4.28%) Land $18,700 Building $46,200
2022	$980.00	$40,680 Land $11,220 Building $29,460	$67,800 Land $18,700 Building $49,100

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 3302 Charleston Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective February 2, 2012 · 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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (2018)
Most Recent Claim	Jun 2018 · other causes

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 3302 Charleston Rd is low, with a 0.02% 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	0.02% 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-KANAWHA VALLEY DIST private · serves 209,283 people · EPA ID WV3302016
Water Source	Surface water
Last State Inspection	Nov 2023
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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 187 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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