40 S Main St, Keyser, WV 26726 Property Records

Mineral County property record for 40 S Main St, Keyser, WV 26726

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,974 sqft · built 1930
Lot Size	0.161 acres (7,013 sqft)
Owner	2 Individual Names on File
Last Sale	$199,000 (Jan 2025)
Tax Bill	$1,097 (2026)
Deeds & Mortgages	Nov 2021 Mortgage Nov 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-7-0295.0000`

Property Details

APN / Parcel Number

Primary APN	`07-7-0295.0000`
Alternative APN	`29-07-7-0295.0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,974 sqft Living Area
1st Floor Area	1,974 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Brick
Lot Area	7,013 sqft (0.161 acres)
Lot Dimensions	140 ft deep x 50 ft wide
Terrain	Rolling
Garage Type	Attached
Garage Area	912 sqft
Porch	Porch
Porch Area	334 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	40 S MAIN ST
City	KEYSER
State	WV
Zip	26726-3128
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	50' ON REAR OF CLEM & DAYTON LT
Jurisdiction	MINERAL WV
Township / Civil Division	2
Census Block Group	2
Census Block	2034
Census Tract	10500

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	40 S MAIN ST, KEYSER, WV 26726-3128
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage C & F MORTGAGE CORP
Nov 4, 2021	Intrafamily Transfer, Transfer
May 14, 2021	Deed, Transfer · Conventional Mortgage GRANT COUNTY STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 14, 2025 · Amount on File
Deed Sale	Jan 14, 2025 · Amount on File
Deed Document Number	2025208796
Deed Book / Page	411 / 253
Prior Transfer Date	Oct 29, 2021
Prior Transfer Doc	000396/723
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MINERAL WV
Property Address	40 S MAIN ST, KEYSER, WV 26726-3128
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000628/150
Date	Nov 4, 2021
Book Page	628/150
Instrument	188445

Lender

Name	C & F MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2051

Interest

Rate Type	Fixed Rate

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MINERAL WV
Recording Date	Nov 4, 2021
Property Address	40 S MAIN ST, KEYSER, WV 26726-3128
Document Number	000396/723
Book / Page	396 / 723
Instrument Date	Oct 29, 2021
Instrument	188444
Transaction Type	Transfer
Record Updated	Oct 10, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship

May 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	MINERAL WV
Recording Date	May 14, 2021
Property Address	40 S MAIN ST, KEYSER, WV 26726-3128
Document Number	000394/161
Book / Page	394 / 161
Map Reference	BK 215 PG 487
Instrument Date	May 12, 2021
Instrument	184678
Transaction Type	Transfer
Record Updated	Oct 10, 2023

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$469.70
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000619/282
Date	May 14, 2021
Book Page	619/282
Instrument	184679

Lender

Name	GRANT COUNTY STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Mineral County assessment roll, as of November 24, 2025

Property Jurisdictions

Type	Name
State	West Virginia
County	Mineral County
Municipality	Keyser City
Unified School District	Mineral County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,097.00 (+49.46%)	$69,900 (+4.58%) Land $4,680 Building $65,220	$116,500 (+4.58%) Land $7,800 Building $108,700
2025	$734.00 (-25.03%) Homeowner's exemption Disabled Person's exemption	$66,840 (+7.01%) Land $4,680 Building $62,160	$111,400 (+7.01%) Land $7,800 Building $103,600
2023	$979.00	$62,460 (-) Land $4,680 Building $57,780	$104,100 (-) Land $7,800 Building $96,300
2022	$979.00	$62,460 Land $4,680 Building $57,780	$104,100 Land $7,800 Building $96,300

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 March 19, 2013 · 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
Flood Insurance Cost	Premium on File median of 26 policies
Nearby Flood Policies	26 in force
Nearby Flood Claims	67 (1979–2025)
Claims Outside the SFHA	11 of 67
Most Recent Claim	May 2025 · river or lake flooding
Claims by Event	Hurricane Fran And Associated Heavy Rains,flooding Highwind, Sep 1996 · 25 claims Flooding, Jan 1996 · 10 claims Severe Storms, Heavy Rains, Flooding, Mudslides, Jun 1995 · 8 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	Low lower than 80% of the US · lower than 79% of West Virginia
Wildfire Likelihood	0.01% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 530 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless	100 / 20

May also be available: Breezeline, SkyPacket, T-Mobile.

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