Mineral County property record for 404 S Main St, Keyser, WV 26726
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,072 sqft · built 1916 |
| Lot Size | 0.242 acres (10,542 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $917 (2026) |
| Deeds & Mortgages | Dec 2021 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 07-9-0286.0000 |
| Primary APN | 07-9-0286.0000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,072 sqft Living Area |
| 1st Floor Area | 1,970 sqft |
| Family Room | Family Room |
| Year Built | Built 1916 |
|---|---|
| Effective Year Built | Effective 1916 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Construction Type | Brick |
| Lot Area | 10,542 sqft (0.242 acres) |
| Lot Dimensions | 96 ft deep x 110 ft wide |
| Porch | Porch |
| Porch Area | 356 sqft |
| Patio Area | 24 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 404 S MAIN ST |
|---|---|
| City | KEYSER |
| State | WV |
| Zip | 26726-2951 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 117-118-119 & 6' OF LOT 120 KL&I CO |
| Legal Lot Number | 117-120 |
| Jurisdiction | MINERAL WV |
| Township / Civil Division | 2 |
| Census Block Group | 2 |
| Census Block | 2022 |
| Census Tract | 10500 |
404 S Main St is owned and occupied by two individuals.
Source: Mineral County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 404 S MAIN ST, KEYSER, WV 26726-2951 |
| 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 | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MINERAL WV |
| Property Address | 404 S MAIN ST, KEYSER, WV 26726-2951 |
| Transaction Type | Mortgage |
| Record Updated | Feb 2, 2022 |
| Name | Verified Name |
|---|
| Document Number | 000630/723 |
|---|---|
| Date | Dec 29, 2021 |
| Book Page | 630/723 |
| Instrument | 189496 |
| Name | CHESSIE FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Dec 1, 2046 |
| Rate Type | Fixed Rate |
|---|
The 2026 property tax bill for 404 S Main St was $917 with a homeowner's exemption, up 4% from the year before.
Source: Mineral County assessment roll, as of November 24, 2025
| Type | Name |
|---|---|
| State | West Virginia |
| County | Mineral County |
| Municipality | Keyser City |
| Unified School District | Mineral County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $917.00 (+3.97%) | $78,420 (+2.83%) Land $6,780 Building $71,640 | $130,700 (+2.83%) Land $11,300 Building $119,400 |
| 2025 | $882.00 Homeowner's exemption | $76,260 Land $6,780 Building $69,480 | $127,100 Land $11,300 Building $115,800 |
| 2023 | $804.00 Homeowner's exemption | $71,280 (-) Land $6,780 Building $64,500 | $118,800 (-) Land $11,300 Building $107,500 |
| 2022 | $804.00 Homeowner's exemption | $71,280 Land $6,780 Building $64,500 | $118,800 Land $11,300 Building $107,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 404 S Main St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective March 19, 2013 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| 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 |
|
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 404 S Main St is low, with a 0.01% annual chance of 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 |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 475 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, T-Mobile.
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