45 1st St, Spelter, WV 26438 Property Records

Harrison County property record for 45 1st St, Spelter, WV 26438

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,568 sqft · built 1910
Lot Size	0.156 acres (6,795 sqft)
Owner	Individual Name on File
Tax Bill	$125 (2026)
Deeds & Mortgages	Sep 2026 Line of Credit Sep 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-1101-0091.0000`

Property Details

APN / Parcel Number

Primary APN	`07-1101-0091.0000`
Alternative APNs	`17-07-1101-0091.0000` `06413794`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,568 sqft Living Area
1st Floor Area	1,568 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Lot Area	6,795 sqft (0.156 acres)
Lot Dimensions	133 ft deep x 52 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	06413794
Street Address	45 1ST ST
City	SPELTER
State	WV
Zip	26438
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1 LOT G SPELTER
Legal Subdivision	E I DU PONT DE NEMOURS & COS
Legal Lot Number	G
Jurisdiction	HARRISON WV
Township / Civil Division	EASTERN
Census Block Group	1
Census Block	1076
Census Tract	30801

Owner

45 1st St is owned and occupied by an individual who acquired it in September 2026.

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

Owner of Record	Individual Name on File
Mailing Address	PO BOX 146, SPELTER, WV 26438-0146
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2026	Affidavit, Transfer · Line of Credit AMERISAVE MORTGAGE CORPORATION
Sep 2, 2022	Deed of Trust, Mortgage · Conventional Mortgage PRIMELENDING

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Sep 22, 2026
Transfer Doc	0000022789
Record Updated	Oct 29, 2026

September 2026: Affidavit, Transfer

Document Type	Affidavit
Jurisdiction	HARRISON WV
Recording Date	Sep 23, 2026
Property Address	45 1ST ST, SPELTER, WV 26438
Document Number	0000022789
Book / Page	67 / 972
Instrument Date	Sep 22, 2026
Instrument	202622789
Transaction Type	Transfer
Record Updated	Oct 14, 2026

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000022790,
Date	Sep 23, 2026
Book Page	1559/205
Instrument	202622790

Lender

Name	AMERISAVE MORTGAGE CORPORATION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Oct 1, 2046

Interest

Max Rate	-1%

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRISON WV
Property Address	45 1ST ST, SPELTER, WV 26438
Transaction Type	Mortgage
Record Updated	Sep 21, 2022
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001484/841
Date	Sep 2, 2022
Book Page	1484/841
Instrument	202200024045

Lender

Name	PRIMELENDING
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 1, 2037

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 45 1st St was $125 with a homeowner's exemption, down 3.1% from the year before.

Source: Harrison County assessment roll, as of October 30, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$125.00 (-3.1%)	$31,140 (-) Land $1,740 Building $29,400	$51,900 (-) Land $2,900 Building $49,000
2025	$129.00 Homeowner's exemption	$31,140 Land $1,740 Building $29,400	$51,900 Land $2,900 Building $49,000
2023	$78.00 (+2.63%) Homeowner's exemption	$26,700 (+0.91%) Land $1,740 Building $24,960	$44,500 (+0.91%) Land $2,900 Building $41,600
2022	$76.00 Homeowner's exemption	$26,460 Land $1,740 Building $24,720	$44,100 Land $2,900 Building $41,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 45 1st St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective October 10, 2016 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 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.

Wildfire

Wildfire risk around 45 1st 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
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	GREATER HARRISON PSD LOST CREEK MT CLARE serves 3,536 people · EPA ID WV3301713
Water Source	Purchased surface water from CLARKSBURG WATER BOARD
Last State Inspection	Oct 2025
Also Mapped Here	ENLARGED HEPZIBAH PSD
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Apr 2023 Total trihalomethanes resolved · Jan 2023
Treatment and Procedure	None last 10 years
Monitoring and Reporting	31 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 177 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Optimum Cable	500 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Spectrum, Verizon.

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