McDowell County property record for 40 Lake Dr, Welch, WV 24801
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,302 sqft · built 1948 |
| Lot Size | 0.06 acres (2,614 sqft) |
| Owner | Individual Name on File |
| Last Sale | $25,000 (Mar 2025) |
| Tax Bill | $410 (2026) |
| Deeds & Mortgages | Apr 2026 Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 15-10-0036.0000 |
| Primary APN | 15-10-0036.0000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,302 sqft Living Area |
| 1st Floor Area | 1,488 sqft |
| Year Built | Built 1948 |
|---|---|
| Effective Year Built | Effective 1948 |
| Architectural Style | Conventional |
| Exterior Material | Other |
| Lot Area | 2,614 sqft (0.06 acres) |
| Lot Dimensions | 65 ft deep x 40 ft wide |
| Terrain | Below Road/Slope |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | 00800061 |
|---|---|
| Street Address | 40 LAKE DR |
| City | WELCH |
| State | WV |
| Zip | 24801-2506 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 15 HOUSTON 2ND ADN |
| Legal Subdivision | HOUSTON SECOND ADDITION |
| Legal Lot Number | 15 |
| Jurisdiction | MCDOWELL WV |
| Township / Civil Division | BROWNS CREEK |
| Census Block Group | 1 |
| Census Block | 1054 |
| Census Tract | 954503 |
40 Lake Dr is owned and occupied by an individual who bought it in March 2025.
Source: McDowell County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 7422 W SONOMA WAY, FLORENCE, AZ 85132-6764 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 21, 2025 · Amount on File |
| Deed Sale | Mar 21, 2025 · Amount on File |
| Deed Document Number | 2025632 |
| Deed Book / Page | 666 / 294 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCDOWELL WV |
| Recording Date | Apr 1, 2026 |
| Property Address | 40 LAKE DR, WELCH, WV 24801-2506 |
| Document Number | 0000000765 |
| Book / Page | 461 / 570 |
| Instrument Date | Mar 30, 2026 |
| Instrument | 2026765 |
| Transaction Type | Mortgage |
| Record Updated | Jul 13, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 40 LAKE DR, WELCH, WV 24801-2506 |
| Investor | Possibly a Property Investor |
| Document Number | 0000000765, |
|---|---|
| Date | Apr 1, 2026 |
| Book Page | 461/570 |
| Instrument | 2026765 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2056 |
| Rate | 5.98% |
|---|---|
| Max Rate | -1% |
The 2026 property tax bill for 40 Lake Dr was $410 with a homeowner's exemption.
Source: McDowell County assessment roll, as of November 17, 2025
| Type | Name |
|---|---|
| State | West Virginia |
| County | McDowell County |
| Municipality | Welch City |
| Unified School District | McDowell County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $410.00 | $13,560 (+0.89%) Land $780 Building $12,780 | $22,600 (+0.89%) Land $1,300 Building $21,300 |
| 2025 | Homeowner's exemption | $13,440 Land $780 Building $12,660 | $22,400 Land $1,300 Building $21,100 |
| 2023 | Homeowner's exemption | $13,440 Land $780 Building $12,660 | $22,400 Land $1,300 Building $21,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 40 Lake Dr in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective June 16, 2005 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 34 policies |
| Nearby Flood Policies | 34 in force |
| Nearby Flood Claims | 195 (1978–2025) |
| Claims Outside the SFHA | 43 of 195 |
| Most Recent Claim | Feb 2025 · Severe Storm, Straight-line Winds, Flooding, Landslides, And Mudslides |
| Claims by Event |
|
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 risk around 40 Lake Dr is moderate, ranking above 68% of the US, with a 0.3% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 68% of the US · above 85% of West Virginia |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF WELCH serves 2,907 people · EPA ID WV3302421 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2022 |
| Lead | 1 ppb (2021–2023) action level 15 ppb |
Listed by EPA as a serious violator for missed monitoring and reporting.
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Coliform assessment Oct 2025 Sanitary survey deficiency not corrected Aug 2022 |
| Monitoring and Reporting | 13 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.
Source: FCC Broadband Data Collection, based on 74 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Glo Fiber Fiber | 1,000 / 50 |
| Starlink Satellite | 280 / 30 |
May also be available: Verizon.
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