3515 Charleston Rd, Poca, WV 25159 Property Records

Putnam County property record for 3515 Charleston Rd, Poca, WV 25159

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,242 sqft · built 1995
Lot Size	0.221 acres (9,627 sqft)
Owner	Individual Name on File
Last Sale	$210,000 (Mar 2023)
Tax Bill	$818 (2026)
Deeds & Mortgages	May 2022 Mortgage Mar 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-206A-0001.0002`

Property Details

APN / Parcel Number

Primary APN	`08-206A-0001.0002`
Alternative APNs	`40-08-206A-0001.0002` `00010066`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,242 sqft Living Area
1st Floor Area	2,484 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	9,627 sqft (0.221 acres)
Lot Dimensions	130 ft deep x 70.4 ft wide
Terrain	Rolling

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	00010066
Street Address	3515 CHARLESTON RD
City	POCA
State	WV
Zip	25159-7309
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	0.23 AC RAYMOND CITY
Legal Subdivision	RAYMOND CITY SUB
Jurisdiction	PUTNAM WV
Township / Civil Division	1
Census Block Group	4
Census Block	4048
Census Tract	20100

Owner

3515 Charleston Rd is owned and occupied by an individual who bought it in March 2023.

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

Owner of Record	Individual Name on File
Mailing Address	3515 CHARLESTON RD, POCA, WV 25159-7309
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
May 9, 2022	Deed of Trust, Mortgage · Stand-Alone First Mortgage HUD
Mar 30, 2023	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Apr 20, 2020	Deed, Transfer · FHA Mortgage PRIMELENDING

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 30, 2023 · Amount on File
Deed Sale	Mar 30, 2023 · Amount on File
Prior Sale	Apr 20, 2020 · Amount on File
Deed Book / Page	615 / 768
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM WV
Property Address	3515 CHARLESTON RD, POCA, WV 25159-7309
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001322/308
Date	May 9, 2022
Book Page	1322/308

Lender

Name	HUD
Type	Government Agency

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	336 Months
Due	May 1, 2050

Interest

Rate Type	Fixed Rate

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PUTNAM WV
Recording Date	Mar 30, 2023
Property Address	3515 CHARLESTON RD, POCA, WV 25159-7309
Document Number	000615/768
Book / Page	615 / 768
Instrument Date	Mar 13, 2023
Instrument	005429820003
Transaction Type	Transfer
Record Updated	Dec 5, 2025
Title Company	BESTITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$462.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3515 CHARLESTON RD, POCA, WV 25159-7309
Investor	Possibly a Property Investor

Mortgage

Document Number	005429830019
Date	Mar 30, 2023
Instrument	005429830019

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2053

April 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	PUTNAM WV
Recording Date	Apr 20, 2020
Property Address	3515 CHARLESTON RD, POCA, WV 25159-7309
Document Number	000584/763
Book / Page	584 / 763
Map Reference	DB 548 PG 545
Instrument Date	Apr 17, 2020
Instrument	004833720004
Transaction Type	Transfer
Record Updated	Jun 13, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$312.40
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	5023 SANDSTONE DR, CHARLESTON, WV 25313-2227

Mortgage

Document Number	001241/421
Date	Apr 20, 2020
Book Page	1241/421
Instrument	004833730022

Lender

Name	PRIMELENDING
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2050

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 3515 Charleston Rd was $818, up 3.4% 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	$818.00 (+3.41%)	$65,460 (+4.5%) Land $8,580 Building $56,880	$109,100 (+4.5%) Land $14,300 Building $94,800
2025	$791.00	$62,640 Land $9,300 Building $53,340	$104,400 Land $15,500 Building $88,900
2023	$898.00 (+3.82%)	$36,960 (+3.01%) Land $9,300 Building $27,660	$61,600 (+3.01%) Land $15,500 Building $46,100
2022	$865.00	$35,880 Land $9,300 Building $26,580	$59,800 Land $15,500 Building $44,300

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 3515 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 3515 Charleston Rd is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 66% of the US · above 43% of West Virginia
Wildfire Likelihood	0.03% 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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