Cabell County property record for 3912 Howells Mill Rd, Ona, WV 25545
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,914 sqft · built 1989 |
| Lot Size | 1.8 acres (78,408 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $645 (2026) |
| Deeds & Mortgages | Sep 2024 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-28-0039.0004 |
| Primary APN | 10-28-0039.0004 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,914 sqft Living Area |
| 1st Floor Area | 3,306 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Architectural Style | Ranch |
| Construction Type | Frame |
| Foundation Type | No Foundation |
| Lot Area | 78,408 sqft (1.8 acres) |
| Terrain | Rolling |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 3912 HOWELLS MILL RD |
|---|---|
| City | ONA |
| State | WV |
| Zip | 25545-7377 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 1.80 AC BIG CABELL CRK 3912 HOWELLS MILL RD |
| Legal Block | 4 |
| Jurisdiction | CABELL WV |
| Township / Civil Division | 3 |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 10702 |
Source: Cabell County records · APN 10-28-0039.0004
Assessment roll updated November 14, 2025 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3912 HOWELLS MILL RD, ONA, WV 25545-7377 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CABELL WV |
| Property Address | 3912 HOWELLS MILL RD, ONA, WV 25545-7377 |
| Transaction Type | Mortgage |
| Record Updated | Nov 14, 2025 |
| Name | Verified Name |
|---|---|
| Address | 3912 HOWELLS MILL RD, ONA, WV 25545-7377 |
| Document Number | 002972/349 |
|---|---|
| Date | Sep 23, 2024 |
| Book Page | 2972/349 |
| Instrument | 6209545 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Oct 01, 2044 |
Source: Cabell County records · Assessment roll updated November 14, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | West Virginia |
| County | Cabell County |
| Unified School District | Cabell County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $645.00 (+6.61%) | ||
| 2025 | $605.00 (-30.3%) Homeowner's exemption | $64,230 (+1.57%) Land $17,370 Building $46,860 | $107,000 (+1.52%) Land $28,900 Building $78,100 |
| 2023 | $868.00 (+4.83%) | $63,240 (+5.61%) Land $14,340 Building $48,900 | $105,400 (+5.61%) Land $23,900 Building $81,500 |
| 2022 | $828.00 | $59,880 Land $14,340 Building $45,540 | $99,800 Land $23,900 Building $75,900 |
Source: FEMA National Flood Hazard Layer, Cabell County (54011C), as of September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 540110107022, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 8 in force |
| Wildfire Risk | Moderate above 43% of the US · above 61% of West Virginia |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Optimum Communications Cable | 940 / 35 |
Based on FCC filings for 19 locations within half a mile of this property.
4G LTE (outdoors only), no 5G reported
Source: EPA Safe Drinking Water Information System, water system WV3300608, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | WVAWC - HUNTINGTON DIST private · serves 98,647 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Nov 2024 |
| Lead | 1 ppb (2022–2024) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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