34 Spruce Tree Dr, Ridgeley, WV 26753 Property Records

Mineral County property record for 34 Spruce Tree Dr, Ridgeley, WV 26753

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,794 sqft · built 1975
Lot Size	0.362 acres (15,769 sqft)
Owner	Individual Name on File
Tax Bill	$874 (2026)
Deeds & Mortgages	Jan 2026 Second Mortgage Sep 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-13A-0025.0000`

Property Details

APN / Parcel Number

Primary APN	`04-13A-0025.0000`
Alternative APN	`29-04-13A-0025.0000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,794 sqft Living Area
1st Floor Area	2,392 sqft
Basement Area	598 sqft
Finished Basement	598 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Brick
Lot Area	15,769 sqft (0.362 acres)
Lot Dimensions	126 ft deep x 125 ft wide
Terrain	Rolling
Garage Type	Basement
Patio Area	80 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	34 SPRUCE TREE DR
City	RIDGELEY
State	WV
Zip	26753-7266
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 22 SHERWOOD ACRES SEC 2
Legal Subdivision	STAR BUILDING & DEVELOPMENT CO ADD
Legal Lot Number	22
Jurisdiction	MINERAL WV
Township / Civil Division	3
Census Block Group	2
Census Block	2002
Census Tract	10200

Owner

Source: Mineral 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	34 SPRUCE TREE DR, RIDGELEY, WV 26753-7266
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 28, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage TOWER FCU
Sep 24, 2021	Deed of Trust, Mortgage · FHA Mortgage C & F MORTGAGE CORP
Sep 24, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MINERAL WV
Property Address	34 SPRUCE TREE DR, RIDGELEY, WV 26753-7266
Transaction Type	Mortgage
Record Updated	Feb 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000672/38
Date	Jan 28, 2026
Book Page	672/38
Instrument	214860

Lender

Name	TOWER FCU
Type	Credit Union
Address	LAUREL, MD 20707

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	114 Months
Due	Jul 10, 2035

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MINERAL WV
Property Address	34 SPRUCE TREE DR, RIDGELEY, WV 26753-7266
Transaction Type	Mortgage
Record Updated	Oct 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	626/372
Date	Sep 24, 2021
Book Page	626/372
Instrument	187418

Lender

Name	C & F MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2051

Interest

Rate Type	Fixed Rate

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MINERAL WV
Recording Date	Sep 24, 2021
Property Address	34 SPRUCE TREE DR, RIDGELEY, WV 26753-7266
Document Number	000396/232
Book / Page	396 / 232
Map Reference	MB 4 PG 102
Instrument Date	Sep 10, 2021
Instrument	187417
Transaction Type	Transfer
Record Updated	Oct 10, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

Source: Mineral County assessment roll, as of November 24, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$874.00 (-1.8%)	$73,200 (-1.85%) Land $8,640 Building $64,560	$122,000 (-1.85%) Land $14,400 Building $107,600
2025	$890.00 (+6.71%)	$74,580 (+6.7%) Land $8,640 Building $65,940	$124,300 (+6.7%) Land $14,400 Building $109,900
2023	$834.00	$69,900 (-) Land $8,640 Building $61,260	$116,500 (-) Land $14,400 Building $102,100
2022	$834.00	$69,900 Land $8,640 Building $61,260	$116,500 Land $14,400 Building $102,100

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 March 19, 2013 · 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	6 in force
Nearby Flood Claims	1 (2009)
Most Recent Claim	Jun 2009 · river or lake flooding

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	Low lower than 80% of the US · lower than 79% of West Virginia
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Breezeline Cable	1,000 / 50
Starlink Satellite	280 / 30

May also be available: SkyPacket.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Spruce Tree Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures