4608 Charleston Rd, Poca, WV 25159 Property Records

Putnam County property record for 4608 Charleston Rd, Poca, WV 25159

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,040 sqft · built 2017
Lot Size	2 acres (87,120 sqft)
Owner	Individual Name on File
Last Sale	$21,000 (Aug 2017)
Tax Bill	$1,296 (2026)
Deeds & Mortgages	Sep 2023 Mortgage Jul 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`08-196-0044.0001`

Property Details

APN / Parcel Number

Primary APN	`08-196-0044.0001`
Alternative APNs	`40-08-196-0044.0001` `00052981`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,040 sqft Living Area
1st Floor Area	4,080 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete Block
Lot Area	87,120 sqft (2 acres)
Terrain	Above Road/Slope

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	00052981
Street Address	4608 CHARLESTON RD
City	POCA
State	WV
Zip	25159-7635
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2 ACRES RAYMOND CITY
Jurisdiction	PUTNAM WV
Township / Civil Division	1
Census Block Group	4
Census Block	4033
Census Tract	20100

Owner

4608 Charleston Rd is owned and occupied by an individual who acquired it in September 2020.

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

Owner of Record	Individual Name on File
Mailing Address	4608 CHARLESTON RD, POCA, WV 25159-7635
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 22, 2023	Deed of Trust, Mortgage · Conventional Mortgage WV NATIONAL GUARD FCU
Jul 7, 2021	Deed of Trust, Mortgage · FHA Mortgage NATIONS LENDING CORP
Aug 4, 2017	Deed of Trust, Mortgage · FHA Mortgage VANDERBILT MORTGAGE & FINANCE INC
Sep 16, 2020	Intrafamily Transfer, Transfer
Aug 4, 2017	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 4, 2017 · Amount on File
Deed Sale	Aug 4, 2017 · Amount on File
Prior Sale	Jul 8, 2011 · Amount on File
Deed Document Number	20174227520002
Deed Book / Page	560 / 954
Last Transfer Date	Sep 2, 2020
Transfer Doc	591/960
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM WV
Property Address	4608 CHARLESTON RD, POCA, WV 25159-7635
Transaction Type	Mortgage
Record Updated	Oct 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001352/189
Date	Sep 22, 2023
Book Page	1352/189
Instrument	005535470005

Lender

Name	WV NATIONAL GUARD FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Sep 30, 2033

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM WV
Property Address	4608 CHARLESTON RD, POCA, WV 25159-7635
Transaction Type	Mortgage
Record Updated	Aug 4, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1292/662
Date	Jul 7, 2021
Book Page	1292/662
Instrument	005079270020

Lender

Name	NATIONS LENDING CORP
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2051

Interest

Rate Type	Fixed Rate

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM WV
Property Address	4608 CHARLESTON RD, POCA, WV 25159-7635
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1166/473
Date	Aug 4, 2017
Book Page	1166/473
Instrument	004227530016

Lender

Name	VANDERBILT MORTGAGE & FINANCE INC
Type	Mortgage Company
Address	MARYVILLE, TN 37804

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2047

September 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	PUTNAM WV
Recording Date	Sep 16, 2020
Property Address	4608 CHARLESTON RD, POCA, WV 25159-7635
Document Number	591/960
Book / Page	591 / 960
Map Reference	DB 428 PG 505
Instrument Date	Sep 2, 2020
Instrument	004902780004
Transaction Type	Transfer
Record Updated	Nov 1, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4608 CHARLESTON RD, POCA, WV 25159-7635

August 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	PUTNAM WV
Recording Date	Aug 4, 2017
Property Address	4608 CHARLESTON RD, POCA, WV 25159-7635
Document Number	0560/954
Book / Page	0560 / 954
Instrument Date	Jul 26, 2017
Instrument	004227520002
Transaction Type	Transfer
Record Updated	Nov 1, 2021

Transaction

Amount	Amount on Record
Tax	$92.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

The 2026 property tax bill for 4608 Charleston Rd was $1,296, up 11.7% from the year before.

Source: Putnam County assessment roll, as of December 5, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,296.00 (+11.72%)	$103,680 (+12.94%) Land $19,980 Building $83,700	$172,800 (+12.94%) Land $33,300 Building $139,500
2025	$1,160.00	$91,800 Land $18,300 Building $73,500	$153,000 Land $30,500 Building $122,500
2023	$1,129.00 (+0.98%)	$92,940 (+0.13%) Land $28,380 Building $64,560	$154,900 (+0.13%) Land $47,300 Building $107,600
2022	$1,118.00	$92,820 Land $29,340 Building $63,480	$154,700 Land $48,900 Building $105,800

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

Flood

FEMA maps place 4608 Charleston Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2018.

Source: FEMA National Flood Hazard Layer, effective February 2, 2012 · OpenFEMA NFIP redacted claims and policies, as of September 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

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 4608 Charleston Rd is moderate, ranking above 48% of the US, with a 0.08% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 48% of the US · above 69% of West Virginia
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

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	WVAWC-KANAWHA VALLEY DIST private · serves 209,283 people · EPA ID WV3302016
Water Source	Surface water
Last State Inspection	Nov 2023
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

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, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 105 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Frontier.

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