Hardy County property record for 440 Upper Cove Rd, Mathias, WV 26812
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 864 sqft · built 1940 |
| Lot Size | 0.72 acres (31,363 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $35 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-487-0044.0000 |
| Primary APN | 02-487-0044.0000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 864 sqft Living Area |
| 1st Floor Area | 1,728 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Raised |
| Lot Area | 31,363 sqft (0.72 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 440 UPPER COVE RD |
|---|---|
| City | MATHIAS |
| State | WV |
| Zip | 26812-8115 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | .72 AC UMSTEAD COVE RD |
| Jurisdiction | HARDY WV |
| Township / Civil Division | LOST RIVER |
| Census Block Group | 4 |
| Census Block | 4040 |
| Census Tract | 970300 |
Source: Hardy 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 | Individual Name on Record |
|---|---|
| Mailing Address | 440 UPPER COVE RD, MATHIAS, WV 26812-8115 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
Source: Hardy County assessment roll, as of November 17, 2025
| Type | Name |
|---|---|
| State | West Virginia |
| County | Hardy County |
| Unified School District | Hardy County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $35.00 (-82.59%) | $24,600 (-5.96%) Land $12,960 Building $11,640 | $41,000 (-5.96%) Land $21,600 Building $19,400 |
| 2025 | $201.00 (+428.95%) Homeowner's exemption | $26,160 (+4.56%) Land $12,960 Building $13,200 | $43,600 (+4.56%) Land $21,600 Building $22,000 |
| 2023 | $38.00 Homeowner's exemption | $25,020 Land $12,960 Building $12,060 | $41,700 Land $21,600 Building $20,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective November 15, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
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.
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.
Source: FCC Broadband Data Collection, based on 12 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Hardy Telecommunications Fiber | 1,000 / 1,000 |
No cell data coverage reported
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