574 Cottage Lane Rd, Baker, WV 26801 Property Records

Hardy County property record for 574 Cottage Lane Rd, Baker, WV 26801

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,920 sqft · built 2009
Lot Size	5 acres (217,800 sqft)
Owner	2 Individual Names on Record
Last Sale	$187,406 (May 2025)
Tax Bill	$655 (2025)
Deeds & Mortgages	Jun 2022 Refinance Oct 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`02-367-0005.0001`

Property Details

APN / Parcel Number

Primary APN	`02-367-0005.0001`
Alternative APN	`16-02-367-0005.0001`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,920 sqft Living Area
1st Floor Area	1,920 sqft
Basement Area	960 sqft
Finished Basement	960 sqft
Family Room	Family Room

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Architectural Style	Ranch
Construction Type	Frame
Lot Area	217,800 sqft (5 acres)
Terrain	Rolling

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	574 COTTAGE LANE RD
City	BAKER
State	WV
Zip	26801-8229
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HUFFMAN 5 AC
Legal Subdivision	02 91 0000-00 367 0005
Legal Block	1
Jurisdiction	HARDY WV
Township / Civil Division	LOST RIVER
Census Block Group	1
Census Block	1019
Census Tract	970202

Owner

Source: Hardy County records, as of July 13, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	668 COTTAGE LANE RD, BAKER, WV 26801-8409
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 3, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance UNITED STATES OF AMERICA
Oct 4, 2019	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 16, 2025 · Amount on Record
Deed Sale	May 16, 2025 · Amount on Record
Prior Sale	Oct 4, 2019 · Amount on Record
Deed Document Number	2025240140
Deed Book / Page	379 / 41
Record Updated	Sep 20, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARDY WV
Property Address	574 COTTAGE LANE RD, BAKER, WV 26801-8229
Transaction Type	Mortgage
Record Updated	Oct 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000340/398
Date	Jun 3, 2022
Book Page	340/398
Instrument	228565

Lender

Name	UNITED STATES OF AMERICA

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

October 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	HARDY WV
Recording Date	Oct 4, 2019
Property Address	574 COTTAGE LANE RD, BAKER, WV 26801-8229
Document Number	000351/456
Book / Page	351 / 456
Instrument Date	Sep 26, 2019
Instrument	215852
Transaction Type	Transfer
Record Updated	Oct 10, 2023

Transaction

Amount	Amount Recorded
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	3905 RIDGE RD, TIMBERVILLE, VA 22853-2640

Tax Assessment & Valuation

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
2025	$655.00 (+0.15%)	$85,160 (+0.57%) Land $19,340 Building $65,820	$141,900 (+0.57%) Land $32,200 Building $109,700
2023	$654.00	$84,680 Land $19,340 Building $65,340	$141,100 Land $32,200 Building $108,900

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

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

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

Wildfire Risk	Moderate above 52% of the US · above 73% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 3 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

Nearby Properties on Cottage Lane Rd

Nearby Streets

All Baker, WV Property Records

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures