Putnam County property record for 4584 Charleston Rd, Poca, WV 25159
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,674 sqft · built 2021 |
| Lot Size | 2 acres (87,120 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $793 (2025) |
| Deeds & Mortgages | Aug 2021 Mortgage Dec 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-196-0044.0000 |
| Primary APN | 08-196-0044.0000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,674 sqft Living Area |
| 1st Floor Area | 1,674 sqft |
| Year Built | Built 2021 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 87,120 sqft (2 acres) |
| Terrain | Rolling |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 00010209 |
|---|---|
| Street Address | 4584 CHARLESTON RD |
| City | POCA |
| State | WV |
| Zip | 25159-7302 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 2 AC RT 35 |
| Jurisdiction | PUTNAM WV |
| Township / Civil Division | 1 |
| Census Block Group | 4 |
| Census Block | 4033 |
| Census Tract | 20100 |
Source: Putnam County assessment roll, APN 08-196-0044.0000, as of 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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 4584 CHARLESTON RD, POCA, WV 25159-7302 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 25, 2021 | Deed of Trust, Mortgage · Conventional Mortgage VANDERBILT MTG & FINANCE INC |
| Dec 15, 2021 | Deed of Trust, Mortgage · FHA Mortgage VICTORIAN FINANCE LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Deed Document Number | 0000430220 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PUTNAM WV |
| Property Address | 4584 CHARLESTON RD, POCA, WV 25159-7302 |
| Transaction Type | Mortgage |
| Record Updated | Oct 19, 2023 |
| Name | Verified Name |
|---|
| Document Number | 001297/679 |
|---|---|
| Date | Aug 25, 2021 |
| Book Page | 1297/679 |
| Instrument | 005107540020 |
| Name | VANDERBILT MTG & FINANCE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 276 Months |
| Due | Oct 04, 2044 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PUTNAM WV |
| Property Address | 4584 CHARLESTON RD, POCA, WV 25159-7302 |
| Transaction Type | Mortgage |
| Record Updated | Oct 19, 2023 |
| Title Company | BESTITLE |
| Name | Verified Name |
|---|
| Document Number | 001309/777 |
|---|---|
| Date | Dec 15, 2021 |
| Book Page | 1309/777 |
| Instrument | 005175150017 |
| Name | VICTORIAN FINANCE LLC |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 372 Months |
| Due | Jan 01, 2052 |
| Rate Type | Fixed Rate |
|---|
Source: Putnam County assessment roll as of July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | West Virginia |
| County | Putnam County |
| Unified School District | Putnam 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 | $793.00 (+2.06%) | $62,760 (-1.88%) Land $14,100 Building $48,660 | $104,600 (-1.88%) Land $23,500 Building $81,100 |
| 2023 | $777.00 (+75%) | $63,960 (+73.33%) Land $21,840 Building $42,120 | $106,600 (+73.33%) Land $36,400 Building $70,200 |
| 2022 | $444.00 | $36,900 Land $29,340 Building $7,560 | $61,500 Land $48,900 Building $12,600 |
Source: FEMA National Flood Hazard Layer, Putnam County (54079C), as of February 2, 2012 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 540790201004, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 1 (2018) |
| Most Recent Claim | Jun 2018 · other causes |
| Wildfire Risk | Moderate above 48% of the US · above 69% of West Virginia |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| 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, 105 locations within half a mile, as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: Frontier.
Source: EPA Safe Drinking Water Information System, water system WV3302016, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | WVAWC-KANAWHA VALLEY DIST private · serves 209,283 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Nov 2023 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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