51 River St, Paw Paw, WV 25434 Property Records

Morgan County property record for 51 River St, Paw Paw, WV 25434

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,322 sqft · built 1997
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on File
Last Sale	$193,000 (Jun 2024)
Tax Bill	$1,000 (2026)
Deeds & Mortgages	Mar 2019 Refinance Jun 2024 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`05-3-0054.0000`

Property Details

APN / Parcel Number

Primary APN	`05-3-0054.0000`
Alternative APN	`33-05-3-0054.0000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,322 sqft Living Area
1st Floor Area	2,044 sqft
Basement Area	300 sqft
Finished Basement	300 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	10,890 sqft (0.25 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	51 RIVER ST
City	PAW PAW
State	WV
Zip	25434
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIVER STREET PCL B 0.25 AC
Jurisdiction	MORGAN WV
Township / Civil Division	1
Census Block Group	3
Census Block	3028
Census Tract	970900

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Listed Area	Within Western Maryland Railway, Cumberland Extension Right-of-Way, Mile 126 to Mile 159.8 listed 1981 · 32 contributing resources · NRIS 81000078

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

51 River St is owned by an individual who bought it in June 2024.

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

Owner of Record	Individual Name on File
Mailing Address	PO BOX 133, PAW PAW, WV 25434-0133
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
Mar 13, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance FNB BANK INC
Jun 13, 2024	Deed, Transfer · Conventional Mortgage C&F MORTGAGE CORP
Jul 21, 2023	Deed, Transfer · Conventional Mortgage TIDEWATER MORTGAGE SERVICES INC
May 6, 2021	Deed, Transfer · Stand-Alone First Mortgage INTEGRITY HOME MORTGAGE CORP
Oct 17, 2017	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 13, 2024 · Amount on File
Deed Sale	Jun 13, 2024 · Amount on File
Prior Sale	Jul 21, 2023 · Amount on File
Deed Document Number	2024904611
Deed Book / Page	295 / 923
Prior Transfer Date	Oct 5, 2017
Prior Transfer Doc	000264/261
Record Updated	Oct 29, 2026

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN WV
Property Address	51 RIVER ST, PAW PAW, WV 25434
Transaction Type	Mortgage
Record Updated	Jan 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000437/567
Date	Mar 13, 2019
Book Page	437/567
Instrument	854445

Lender

Name	FNB BANK INC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

June 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	MORGAN WV
Recording Date	Jun 13, 2024
Property Address	51 RIVER ST, PAW PAW, WV 25434
Document Number	000295/923
Book / Page	295 / 923
Instrument Date	Jun 12, 2024
Instrument	904611
Transaction Type	Transfer
Record Updated	Jan 19, 2026

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1075 DETOUR RD, GREAT CACAPON, WV 25422-3206

Mortgage

Document Number	000509/409
Date	Jun 13, 2024
Book Page	509/409
Instrument	904612

Lender

Name	C&F MORTGAGE CORP
Type	Mortgage Company

Agreement

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

July 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	MORGAN WV
Recording Date	Jul 21, 2023
Property Address	51 RIVER ST, PAW PAW, WV 25434
Document Number	0000292/77
Book / Page	292 / 77
Instrument Date	Jul 14, 2023
Instrument	896226
Transaction Type	Transfer
Record Updated	Jan 19, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000896227
Date	Jul 21, 2023
Instrument	896227

Lender

Name	TIDEWATER MORTGAGE SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	354 Months
Due	Jan 8, 2053

May 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	MORGAN WV
Recording Date	May 6, 2021
Property Address	51 RIVER ST, PAW PAW, WV 25434
Document Number	000280/766
Book / Page	280 / 766
Instrument Date	Apr 23, 2021
Instrument	877052
Transaction Type	Transfer
Record Updated	Jan 19, 2026

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	51 RIVER ST, PAW PAW, WV 25434

Mortgage

Document Number	0000877053
Date	May 6, 2021
Instrument	877053

Lender

Name	INTEGRITY HOME MORTGAGE CORP

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

October 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MORGAN WV
Recording Date	Oct 17, 2017
Property Address	51 RIVER ST, PAW PAW, WV 25434
Document Number	000264/261
Book / Page	264 / 261
Instrument Date	Oct 5, 2017
Instrument	840427
Transaction Type	Transfer
Record Updated	Jan 19, 2026

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

Tax Assessment & Valuation

The 2026 property tax bill for 51 River St was $1,000, up 8.5% from the year before.

Source: Morgan County assessment roll, as of November 18, 2025

Property Jurisdictions

Type	Name
State	West Virginia
County	Morgan County
Municipality	Paw Paw Town
Unified School District	Morgan County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,000.00 (+8.46%)	$80,700 (+8.64%) Land $4,920 Building $75,780	$134,500 (+8.64%) Land $8,200 Building $126,300
2025	$922.00	$74,280 Land $4,500 Building $69,780	$123,800 Land $7,500 Building $116,300
2023	$719.00 (+0.98%)	$57,540 (+1.05%) Land $4,140 Building $53,400	$95,900 (+1.05%) Land $6,900 Building $89,000
2022	$712.00	$56,940 Land $4,140 Building $52,800	$94,900 Land $6,900 Building $88,000

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 51 River St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 25, 2009 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	4 (1985–2025)
Most Recent Claim	May 2025 · rainfall accumulation
Claims by Event	Severe Storms & Flooding, Nov 1985 · 2 claims

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 51 River St is low, with a 0.02% 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	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	PAW PAW WATER WORKS serves 524 people · EPA ID WV3303308
Water Source	Surface water
Last State Inspection	Dec 2023
Lead	3 ppb (2026) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	Turbidity resolved · Dec 2025
Treatment and Procedure	Sanitary survey deficiency not corrected May 2021
Monitoring and Reporting	41 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 145 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000

May also be available: T-Mobile.

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