48 Joy Ln, Culloden, WV 25510 Property Records

Putnam County property record for 48 Joy Ln, Culloden, WV 25510

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,432 sqft · built 1969
Lot Size	0.379 acres (16,509 sqft)
Owner	Individual Name on File
Last Sale	$370,000 (May 2024)
Tax Bill	$1,142 (2026)
Deeds & Mortgages	Aug 2025 Mortgage May 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-230E-0005.0000`

Property Details

APN / Parcel Number

Primary APN	`04-230E-0005.0000`
Alternative APNs	`40-04-230E-0005.0000` `00004495`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,432 sqft Living Area
1st Floor Area	2,864 sqft
Family Room	Family Room

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Raised
Lot Area	16,509 sqft (0.379 acres)
Lot Dimensions	165 ft deep x 100 ft wide
Terrain	Rolling

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	00004495
Street Address	48 JOY LN
City	CULLODEN
State	WV
Zip	25510-7278
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	0.38 AC OLD RT 60
Jurisdiction	PUTNAM WV
Township / Civil Division	3
Census Block Group	4
Census Block	4014
Census Tract	20608

Owner

48 Joy Ln is owned by an individual who bought it in May 2024.

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

Owner of Record	Individual Name on File
Mailing Address	322 GRANDVIEW DR, HURRICANE, WV 25526-5893
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
Aug 19, 2025	Deed of Trust, Mortgage · Conventional Mortgage THE STATE CU
May 29, 2024	Deed, Transfer · Conventional Mortgage UNITED BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 29, 2024 · Amount on File
Deed Sale	May 29, 2024 · Amount on File
Deed Book / Page	627 / 460
Record Updated	Oct 29, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM WV
Property Address	48 JOY LN, CULLODEN, WV 25510-7278
Transaction Type	Mortgage
Record Updated	Dec 9, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48 JOY LN, CULLODEN, WV 25510-7278

Mortgage

Document Number	001393/719
Date	Aug 19, 2025
Book Page	1393/719

Lender

Name	THE STATE CU
Type	Credit Union
Address	CHARLESTON, WV 25311

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Sep 1, 2045

Interest

Rate Type	Adjustable Rate
Rate	4.99%
Type Change Date	Aug 14, 2025
Change Frequency	Annually
Min Rate At Change	4.99%
Max Rate At Change	6.99%
Max Rate	10.9%

May 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	PUTNAM WV
Recording Date	May 29, 2024
Property Address	48 JOY LN, CULLODEN, WV 25510-7278
Document Number	000627/460
Book / Page	627 / 460
Map Reference	DB 169 PG 576
Instrument Date	May 23, 2024
Instrument	005704380003
Transaction Type	Transfer
Record Updated	Dec 9, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$814.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	005704390013
Date	May 29, 2024
Instrument	005704390013

Lender

Name	UNITED BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2054

Tax Assessment & Valuation

The 2026 property tax bill for 48 Joy Ln was $1,142, up 12.3% 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	$1,142.00 (+12.29%)	$91,320 (+13.41%) Land $19,560 Building $71,760	$152,200 (+13.41%) Land $32,600 Building $119,600
2025	$1,017.00	$80,520 Land $17,940 Building $62,580	$134,200 Land $29,900 Building $104,300
2023	$860.00 (+3.24%)	$70,800 (+2.43%) Land $15,420 Building $55,380	$118,000 (+2.43%) Land $25,700 Building $92,300
2022	$833.00	$69,120 Land $15,420 Building $53,700	$115,200 Land $25,700 Building $89,500

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 48 Joy Ln in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective February 2, 2012

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 48 Joy Ln 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

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 233 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Optimum Cable	940 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: local2u.

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