Hardy County property record for 45 Stump Ln, Moorefield, WV 26836
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,148 sqft · built 1985 |
| Lot Size | 2 acres (87,120 sqft) |
| Owner | Company Name on File |
| Tax Bill | $402 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-423-0020.0008 |
| Primary APN | 05-423-0020.0008 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,148 sqft Living Area |
| 1st Floor Area | 3,000 sqft |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Other |
| Construction Type | Frame |
| Foundation Type | Raised |
| Lot Area | 87,120 sqft (2 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 45 STUMP LN |
|---|---|
| City | MOOREFIELD |
| State | WV |
| Zip | 26836-8159 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT A 2 AC NEAR SF RD STUMP |
| Legal Subdivision | 05 91 0000-00 423 0020 |
| Legal Block | 8 |
| Legal Lot Number | 2,A |
| Jurisdiction | HARDY WV |
| Township / Civil Division | SOUTH FORK |
| Census Block Group | 3 |
| Census Block | 3020 |
| Census Tract | 970300 |
45 Stump Ln is owned by a company and is owner-occupied.
Source: Hardy County records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 45 STUMP LN, MOOREFIELD, WV 26836-8159 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 45 Stump Ln was $402 with a homeowner's exemption, up 9.5% from the year before.
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 | $402.00 (+9.54%) | $72,360 (+6.82%) Land $16,140 Building $56,220 | $120,600 (+6.82%) Land $26,900 Building $93,700 |
| 2025 | $367.00 Homeowner's exemption | $67,740 Land $16,140 Building $51,600 | $112,900 Land $26,900 Building $86,000 |
| 2023 | $368.00 Homeowner's exemption | $67,740 Land $16,140 Building $51,600 | $112,900 Land $26,900 Building $86,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 45 Stump Ln in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 |
| Flood Insurance Cost | Premium on File median of 13 policies |
| Nearby Flood Policies | 13 in force |
| Nearby Flood Claims | 12 (1996) |
| Most Recent Claim | Sep 1996 · rainfall accumulation |
| 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 45 Stump Ln is moderate, ranking above 53% of the US, with a 0.07% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 53% of the US · above 74% 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 4 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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