Jefferson County property record for 45 Kelcar Dr, Summit Point, WV 25446 · Last verified November 2025
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,875 sqft · built 2003 |
| Lot Size | 3.01 acres (131,116 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,406 (2025) |
| Deeds & Mortgages | Aug 2020 Mortgage Oct 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-18-0006.0007 |
| Primary APN | 06-18-0006.0007 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,875 sqft Living Area |
| 1st Floor Area | 1,875 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Raised |
| Lot Area | 131,116 sqft (3.01 acres) |
| Terrain | Rolling |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 45 KELCAR DR |
|---|---|
| City | SUMMIT POINT |
| State | WV |
| Zip | 25446-4507 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 1 HAY-WOOD ACRES |
| Legal Subdivision | HAY-WOOD ACRES |
| Legal Lot Number | 1 |
| Jurisdiction | JEFFERSON WV |
| Township / Civil Division | KABLETOWN |
| Census Block Group | 3 |
| Census Block | 3028 |
| Census Tract | 972800 |
Source: Jefferson County records · APN 06-18-0006.0007
Assessment roll updated July 1, 2025 · Last verified November 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 45 KELCAR DR, SUMMIT POINT, WV 25446-4507 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 25, 2020 | Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK |
| Oct 23, 2019 | Deed of Trust, Mortgage · Conventional with PMI BANK OF CHARLESTOWN |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Deed Document Number | 0000962743 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JEFFERSON WV |
| Property Address | 45 KELCAR DR, SUMMIT POINT, WV 25446-4507 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|---|
| Address | 45 KELCAR DR, SUMMIT POINT, WV 25446-4507 |
| Document Number | 0000011220 |
|---|---|
| Date | Aug 25, 2020 |
| Book Page | 2304/46 |
| Instrument | 202000011220 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | MARTINSBURG, WV 25401 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Sep 01, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JEFFERSON WV |
| Property Address | 45 KELCAR DR, SUMMIT POINT, WV 25446-4507 |
| Document Number | 0000013990 |
| Instrument Date | Oct 23, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 12, 2019 |
| Title Company | NOT AVAILABLE |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 190 KELCAR DR SUMMIT POINT WV 254464506, SUMMIT POINT, WV 25446-4506 |
| Document Number | 0000013990 |
|---|---|
| Date | Oct 28, 2019 |
| Book Page | 002249/000071 |
| Instrument | 13990 |
| Name | BANK OF CHARLESTOWN |
|---|---|
| Type | Bank |
| Address | CHARLES TOWN, WV 25414 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Oct 27, 2034 |
Source: Jefferson County records · Assessment roll updated July 1, 2025 · Last verified November 2025
| Type | Name |
|---|---|
| State | West Virginia |
| County | Jefferson County |
| Unified School District | Jefferson County School District (PK - 12) |
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 | $2,406.00 (+6.32%) | $207,100 (+6.86%) Land $67,700 Building $139,400 | $345,100 (+6.81%) Land $112,800 Building $232,300 |
| 2023 | $2,263.00 | $193,800 Land $65,600 Building $128,200 | $323,100 Land $109,400 Building $213,700 |
Source: FEMA National Flood Hazard Layer, Jefferson County (54037C), updated July 23, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 540379728003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 4 in force |
| Wildfire Risk | Low above 20% of the US · above 21% of West Virginia |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 26 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Xfinity | Cable | 1,200 / 35 |
| Verizon | Fixed Wireless | 300 / 20 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
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