5491 Charleston Rd, Poca, WV 25159 Property Records

Putnam County property record for 5491 Charleston Rd, Poca, WV 25159

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 924 sqft · built 1955
Lot Size	0.31 acres (13,504 sqft)
Owner	Individual Name on File
Tax Bill	$495 (2026)
Deeds & Mortgages	Dec 2025 Mortgage Mar 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`08-195A-0077.0000`

Property Details

APN / Parcel Number

Primary APN	`08-195A-0077.0000`
Alternative APNs	`40-08-195A-0077.0000` `00009754`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	924 sqft Living Area
1st Floor Area	1,848 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	13,504 sqft (0.31 acres)
Lot Dimensions	270 ft deep x 50 ft wide
Terrain	Above Road/Slope

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	00009754
Street Address	5491 CHARLESTON RD
City	POCA
State	WV
Zip	25159
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 19 BLK A NR BANCROFT
Legal Block	A
Legal Lot Number	19
Jurisdiction	PUTNAM WV
Township / Civil Division	1
Census Block Group	4
Census Block	4035
Census Tract	20100

Owner

5491 Charleston Rd is owned and occupied by an individual who acquired it in December 2025.

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

Owner of Record	Individual Name on File
Mailing Address	5491 CHARLESTON RD, POCA, WV 25159
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
Dec 1, 2025	Deed of Trust, Mortgage · FHA Mortgage GATEWAY FIRST BANK
Mar 18, 2021	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 1, 2025
Deed Sale	Dec 1, 2025
Deed Book / Page	644 / 605
Prior Transfer Date	May 3, 2023
Prior Transfer Doc	0619000019
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM WV
Property Address	5491 CHARLESTON RD, POCA, WV 25159
Transaction Type	Mortgage
Record Updated	Dec 31, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	143 MORNINGSIDE DR, ELKVIEW, WV 25071-9367

Mortgage

Document Number	001401/626
Date	Dec 1, 2025
Book Page	1401/626

Lender

Name	GATEWAY FIRST BANK
Type	Bank
Address	JENKS, OK 74037

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2055

March 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	PUTNAM WV
Recording Date	Mar 18, 2021
Property Address	5491 CHARLESTON RD, POCA, WV 25159
Document Number	000595/536
Book / Page	595 / 536
Map Reference	DB 417 PG 676
Instrument Date	Feb 22, 2021
Instrument	005001990003
Transaction Type	Transfer
Record Updated	Dec 5, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2026 property tax bill for 5491 Charleston Rd was $495, up 6% 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	$495.00 (+6%)	$39,600 (+7.14%) Land $7,020 Building $32,580	$66,000 (+7.14%) Land $11,700 Building $54,300
2025	$467.00	$36,960 Land $6,420 Building $30,540	$61,600 Land $10,700 Building $50,900
2023	$157.00 (+7.53%) Homeowner's exemption	$33,000 (+2.61%) Land $6,420 Building $26,580	$55,000 (+2.61%) Land $10,700 Building $44,300
2022	$146.00 Homeowner's exemption	$32,160 Land $6,420 Building $25,740	$53,600 Land $10,700 Building $42,900

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

Flood

FEMA maps place 5491 Charleston Rd 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 February 2, 2012 · 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	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 5491 Charleston Rd is moderate, ranking above 45% 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 45% of the US · above 64% 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.

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

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Frontier, Optimum, T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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