428 Davis Dr, Poca, WV 25159 Property Records

Putnam County property record for 428 Davis Dr, Poca, WV 25159 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 2019
Square Footage	1,539 sqft Living Area
Lot Size	24,002 sqft (0.551 acres)
Occupancy	Owner Occupied
Last Sale	$40,000 (2007)
Tax Bill	$664.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`08-206-0018.0010`
Alternative APNs	`40-08-206-0018.0010` `00011340`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	5 Rooms
Building Area	1,539 sqft Living Area
1st Floor	1,539 sqft 1st Floor
Stories	1 Stories

Exterior

Year Built	Built 2019
Architectural Style	Other Style
Exterior Material	Aluminum/Vinyl Exterior
Foundation Type	Raised Foundation
Lot Area	24,002 sqft (0.551 acres)

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Central Heating
Heating Fuel	Electric Heating Fuel
Sewage	Municipal Sewage
Water Source	Commercial Water Source

Location & Zoning

Account Number	00011340
Street Address	428 DAVIS DR
City	POCA
State	WV
Zip	25159-7304
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	.551 AC (PRT LOT 7)
Legal Subdivision	HUBERT C DAVID
Legal Lot Number	7
Jurisdiction	PUTNAM WV
Minor Civil Division	1
Census Blockgroup	4
Census Block	4049
Census Tract	20100

Owner

Source: Putnam County records · APN 08-206-0018.0010

Assessment roll updated July 1, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	PO BOX 587, POCA, WV 25159-0587
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 28, 2007 · Amount on Record
Deed Sale	Feb 28, 2007 · Amount on Record
Deed Doc Number	0000473126
Deed Book / Page	473 / 126
Record Refreshed	Jun 08, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM WV
Property Address	428 DAVIS DR, POCA, WV 25159-7304
Transaction Type	Mortgage
Record Updated	Oct 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00001273/1
Date	Jan 15, 2021
Book Page	1273/1
Instrument	004960670028

Lender

Name	MCNB BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 01, 2051

Interest

Rate Type	Adjustable Rate
Adjustable	Document includes a rider for adjustable-rate mortgage with a specific rate change date.
Type Change Date	Feb 01, 2026
Change Frequency	5 Years
Min Rate At Change	3%
Max Rate At Change	5.38%
Index	5-Year CMT
Margin	3

Tax Assessment & Valuation

Source: Putnam County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	West Virginia
County	Putnam County
Unified School District	Putnam County School District (PK - 12)

Tax Bill & Assessment History

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
2025	$664.00 (+18.36%) Homeowner's exemption	$72,600 (+9.7%) Land $9,240 Building $63,360	$121,000 (+9.7%) Land $15,400 Building $105,600
2023	$561.00 (-25.4%) Homeowner's exemption	$66,180 (+5.96%) Land $9,240 Building $56,940	$110,300 (+5.96%) Land $15,400 Building $94,900
2022	$752.00	$62,460 Land $9,120 Building $53,340	$104,100 Land $15,200 Building $88,900

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Putnam County (54079C), updated February 2, 2012 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Special Flood Hazard Area	Yes
Flood Insurance Requirement	Required (federally backed mortgages)
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM

Wildfire

Wildfire Risk	Low above 35% of the US · above 46% of West Virginia
Wildfire Likelihood	About 1 in 2,500 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.