548 Upper Cove Rd, Mathias, WV 26812 Property Records

Hardy County property record for 548 Upper Cove Rd, Mathias, WV 26812

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,760 sqft · built 1968
Lot Size	1.5 acres (65,340 sqft)
Owner	Individual Name on File
Last Sale	$129,900 (Feb 2022)
Tax Bill	$345 (2026)
Deeds & Mortgages	Feb 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-487-0045.0002`

Property Details

APN / Parcel Number

Primary APN	`02-487-0045.0002`
Alternative APN	`16-02-487-0045.0002`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,760 sqft Living Area
1st Floor Area	3,520 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Brick
Lot Area	65,340 sqft (1.5 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	548 UPPER COVE RD
City	MATHIAS
State	WV
Zip	26812-8112
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1.50 AC SHIPE/WILKINS
Jurisdiction	HARDY WV
Township / Civil Division	LOST RIVER
Census Block Group	4
Census Block	4040
Census Tract	970300

Owner

548 Upper Cove Rd is owned and occupied by an individual who bought it in February 2022.

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

Owner of Record	Individual Name on File
Mailing Address	548 UPPER COVE RD, MATHIAS, WV 26812-8112
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 15, 2022 · Amount on File
Deed Sale	Feb 15, 2022 · Amount on File
Deed Document Number	227067
Deed Book / Page	362 / 831
Record Updated	Oct 29, 2026

February 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	HARDY WV
Recording Date	Feb 15, 2022
Property Address	548 UPPER COVE RD, MATHIAS, WV 26812-8112
Document Number	000362/831
Book / Page	362 / 831
Instrument Date	Feb 1, 2022
Instrument	227067
Transaction Type	Transfer
Record Updated	Oct 10, 2023

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
Address	548 UPPER COVE RD, MATHIAS, WV 26812-8112

Mortgage

Document Number	000337/791
Date	Feb 15, 2022
Book Page	337/791
Instrument	227068

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

Tax Assessment & Valuation

The 2026 property tax bill for 548 Upper Cove Rd was $345 with a homeowner's exemption, down 10.9% from the year before.

Source: Hardy County assessment roll, as of November 17, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$345.00 (-10.85%)	$64,920 (-7.68%) Land $14,640 Building $50,280	$108,200 (-7.68%) Land $24,400 Building $83,800
2025	$387.00 Homeowner's exemption	$70,320 Land $17,100 Building $53,220	$117,200 Land $28,500 Building $88,700
2023	$373.00 Homeowner's exemption	$68,340 Land $17,100 Building $51,240	$113,900 Land $28,500 Building $85,400

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 548 Upper Cove Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
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

Wildfire risk around 548 Upper Cove Rd is moderate, ranking above 44% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 44% of the US · above 63% of West Virginia
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Hardy Telecommunications Fiber	1,000 / 1,000

Cell Coverage

No cell data coverage reported

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