Hardy County property record for 523 Divide Ln, Mathias, WV 26812
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 3,672 sqft · built 2009 |
| Lot Size | 2.03 acres (88,427 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $914 (2026) |
| Deeds & Mortgages | Jun 2022 Refinance Apr 2019 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-546-0103.0000 |
| Primary APN | 02-546-0103.0000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 3,672 sqft Living Area |
| 1st Floor Area | 3,672 sqft |
| Basement Area | 1,836 sqft |
| Finished Basement | 1,836 sqft |
| Year Built | Built 2009 |
|---|---|
| Effective Year Built | Effective 2009 |
| Architectural Style | Ranch |
| Construction Type | Frame |
| Lot Area | 88,427 sqft (2.03 acres) |
| Terrain | Rolling |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 523 DIVIDE LN |
|---|---|
| City | MATHIAS |
| State | WV |
| Zip | 26812-8467 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SOUTH OF MATHIAS 2.03 AC |
| Jurisdiction | HARDY WV |
| Township / Civil Division | LOST RIVER |
| Census Block Group | 4 |
| Census Block | 4006 |
| Census Tract | 970300 |
523 Divide Ln is owned and occupied by two individuals.
Source: Hardy County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 523 DIVIDE LN, MATHIAS, WV 26812-8467 |
| 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.
| Date | Document |
|---|---|
| Jun 30, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance FNB BANK INC |
| Apr 10, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance FARMERS & MERCHANTS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARDY WV |
| Property Address | 523 DIVIDE LN, MATHIAS, WV 26812-8467 |
| Transaction Type | Mortgage |
| Record Updated | Jan 4, 2024 |
| Name | Verified Name |
|---|
| Document Number | 000340/888 |
|---|---|
| Date | Jun 30, 2022 |
| Book Page | 340/888 |
| Instrument | 228865 |
| Name | FNB BANK INC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARDY WV |
| Property Address | 523 DIVIDE LN, MATHIAS, WV 26812-8467 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 312/521 |
|---|---|
| Date | Apr 10, 2019 |
| Book Page | 312/521 |
| Instrument | 213700 |
| Name | FARMERS & MERCHANTS BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | May 1, 2029 |
The 2026 property tax bill for 523 Divide Ln was $914, up 3.2% 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 | $914.00 (+3.16%) | $118,980 (+3.23%) Land $13,440 Building $105,540 | $198,300 (+3.23%) Land $22,400 Building $175,900 |
| 2025 | $886.00 | $115,260 Land $13,440 Building $101,820 | $192,100 Land $22,400 Building $169,700 |
| 2023 | $906.00 | $117,360 Land $13,440 Building $103,920 | $195,600 Land $22,400 Building $173,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 523 Divide Ln in Zone X, an area of minimal flood risk.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
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 523 Divide Ln is moderate, ranking above 50% 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 50% of the US · above 71% 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.
Source: FCC Broadband Data Collection, based on 13 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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