397 Harmons Creek Rd, Poca, WV 25159 Property Records

Putnam County property record for 397 Harmons Creek Rd, Poca, WV 25159

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,088 sqft · built 1980
Lot Size	14 acres (609,840 sqft)
Owner	2 Individual Names on Record
Last Sale	$275,000 (Mar 2026)
Tax Bill	$1,277 (2026)
Deeds & Mortgages	May 2026 Mortgage Mar 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-208-0006.0000`

Property Details

APN / Parcel Number

Primary APN	`08-208-0006.0000`
Alternative APNs	`40-08-208-0006.0000` `00010297`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,088 sqft Living Area
1st Floor Area	2,088 sqft
Basement Area	1,008 sqft
Finished Basement	1,008 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	609,840 sqft (14 acres)
Terrain	Rolling

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	00010297
Street Address	397 HARMONS CREEK RD
City	POCA
State	WV
Zip	25159-9085
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	14 AC HARMONS CRK RD
Jurisdiction	PUTNAM WV
Township / Civil Division	1
Census Block Group	1
Census Block	1008
Census Tract	20500

Owner

Source: Putnam County records, as of October 20, 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 Record
Mailing Address	397 HARMONS CREEK RD, POCA, WV 25159-9085
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 13, 2026	Deed of Trust, Mortgage · Conventional Mortgage FCAMEC FEDERAL CREDIT UNION
Mar 31, 2026	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Oct 18, 2021	Deed, Transfer · Conventional Mortgage POCA VALLEY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 31, 2026 · Amount on Record
Deed Sale	Mar 31, 2026 · Amount on Record
Prior Sale	Oct 18, 2021 · Amount on Record
Deed Book / Page	648 / 153
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM WV
Recording Date	May 13, 2026
Property Address	397 HARMONS CREEK RD, POCA, WV 25159-9085
Document Number	1412000122
Book / Page	1412 / 122
Instrument Date	May 6, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	BESTITLE, BEST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5005 RUST LN, CHARLESTON, WV 25313
Investor	Possibly a Property Investor

Mortgage

Document Number	1412000122,
Date	May 13, 2026
Book Page	1412/122

Lender

Name	FCAMEC FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jun 1, 2036

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PUTNAM WV
Recording Date	Mar 31, 2026
Property Address	397 HARMONS CREEK RD, POCA, WV 25159-9085
Document Number	000648/153
Book / Page	648 / 153
Instrument Date	Mar 27, 2026
Transaction Type	Transfer
Record Updated	May 18, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,210.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	397 HARMONS CREEK RD, POCA, WV 25159-9085

Mortgage

Document Number	0001408918
Date	Mar 31, 2026
Instrument	1408/918

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

October 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	PUTNAM WV
Recording Date	Oct 18, 2021
Property Address	397 HARMONS CREEK RD, POCA, WV 25159-9085
Document Number	000601/468
Book / Page	601 / 468
Map Reference	DB 24 PG 107
Instrument Date	Oct 15, 2021
Instrument	005137620004
Transaction Type	Transfer
Record Updated	Dec 5, 2025

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$924.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship

Mortgage

Document Number	005137630010
Date	Oct 18, 2021
Instrument	005137630010

Lender

Name	POCA VALLEY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 25, 2051

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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	$1,277.00 (+1.51%)	$102,180 (+2.65%) Land $29,640 Building $72,540	$170,300 (+2.65%) Land $49,400 Building $120,900
2025	$1,258.00 (+15.84%)	$99,540 (+11.34%) Land $30,240 Building $69,300	$165,900 (+11.34%) Land $50,400 Building $115,500
2023	$1,086.00 (+5.85%)	$89,400 (+5%) Land $30,240 Building $59,160	$149,000 (+5%) Land $50,400 Building $98,600
2022	$1,026.00	$85,140 Land $25,500 Building $59,640	$141,900 Land $42,500 Building $99,400

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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	6 in force
Nearby Flood Claims	7 (1997–2021)
Most Recent Claim	Mar 2021 · river or lake flooding
Claims by Event	Heavy & Wind Driven Rain, High Winds,flooding,slides, Mar 1997 · 3 claims

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	Moderate above 44% of the US · above 63% of West Virginia
Wildfire Likelihood	0.07% 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 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Frontier DSL	10 / 1

Cell Coverage

4G LTE (outdoors only), no 5G reported

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