3496 Howells Mill Rd, Ona, WV 25545 Property Records

Cabell County property record for 3496 Howells Mill Rd, Ona, WV 25545

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,622 sqft · built 1987
Lot Size	0.96 acres (41,818 sqft)
Owner	2 Individual Names on File
Last Sale	$195,000 (Sep 2017)
Tax Bill	$1,477 (2026)
Deeds & Mortgages	Dec 2025 Line of Credit Sep 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`10-28-0033.0000`

Property Details

APN / Parcel Number

Primary APN	`10-28-0033.0000`
Alternative APN	`06-10-28-0033.0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,622 sqft Living Area
1st Floor Area	3,644 sqft
Basement Area	800 sqft
Finished Basement	800 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Brick
Lot Area	41,818 sqft (0.96 acres)
Terrain	Rolling
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3496 HOWELLS MILL RD
City	ONA
State	WV
Zip	25545-9510
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	.96 AC BIG CABELL CRK 3496 EDMONDS BR RD ONA
Legal Subdivision	HOWELLS MILL ROAD
Jurisdiction	CABELL WV
Township / Civil Division	3
Census Block Group	2
Census Block	2006
Census Tract	10702

Owner

3496 Howells Mill Rd is owned and occupied by two individuals who bought it in September 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	3496 HOWELLS MILL RD, ONA, WV 25545-9510
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 1, 2025	Deed of Trust, Mortgage · Line of Credit CITY NATIONAL BANK OF WEST VIRGINIA
Sep 18, 2017	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 18, 2017 · Amount on File
Deed Sale	Sep 18, 2017 · Amount on File
Prior Sale	Feb 22, 2012 · Amount on File
Deed Document Number	20175947572
Deed Book / Page	1374 / 276
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABELL WV
Property Address	3496 HOWELLS MILL RD, ONA, WV 25545-9510
Transaction Type	Mortgage
Record Updated	Jan 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3496 HOWELLS MILL RD, ONA, WV 25545-9510

Mortgage

Document Number	003018/490
Date	Dec 1, 2025
Book Page	3018/490
Instrument	6247925

Lender

Name	CITY NATIONAL BANK OF WEST VIRGINIA
Type	Bank
Address	SCOTT DEPOT, WV 25560

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Nov 21, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	CABELL WV
Recording Date	Sep 18, 2017
Property Address	3496 HOWELLS MILL RD, ONA, WV 25545-9510
Document Number	001374/276
Book / Page	1374 / 276
Map Reference	BK 148 PG 422
Instrument Date	Sep 8, 2017
Instrument	5947572
Transaction Type	Transfer
Record Updated	Oct 2, 2023

Transaction

Amount	Amount on Record
Tax	$1,072.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3791 EDMONDS BRANCH RD, ONA, WV 25545

Tax Assessment & Valuation

The 2026 property tax bill for 3496 Howells Mill Rd was $1,477, up 3.9% from the year before.

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	$1,477.00 (+3.87%)	$109,020 (+4.85%) Land $18,360 Building $90,660	$181,700 (+4.85%) Land $30,600 Building $151,100
2025	$1,422.00	$103,980 Land $16,740 Building $87,240	$173,300 Land $27,900 Building $145,400
2023	$1,453.00 (+5.6%)	$105,840 (+6.33%) Land $13,860 Building $91,980	$176,400 (+6.33%) Land $23,100 Building $153,300
2022	$1,376.00	$99,540 Land $13,860 Building $85,680	$165,900 Land $23,100 Building $142,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3496 Howells Mill Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 3496 Howells Mill Rd is moderate, ranking above 40% of the US, with a 0.07% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 40% of the US · above 55% of West Virginia
Wildfire Likelihood	0.07% 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.

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 and 4G LTE (outdoors only)

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