81 James St, Keyser, WV 26726 Property Records

Mineral County property record for 81 James St, Keyser, WV 26726

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,415 sqft · built 1900
Lot Size	0.165 acres (7,187 sqft)
Owner	Individual Name on File
Last Sale	$181,000 (Jan 2026)
Tax Bill	$913 (2026)
Deeds & Mortgages	Jan 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-6-0321.0000`

Property Details

APN / Parcel Number

Primary APN	`07-6-0321.0000`
Alternative APN	`29-07-6-0321.0000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,415 sqft Living Area
1st Floor Area	2,208 sqft
Family Room	Family Room

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Lot Area	7,187 sqft (0.165 acres)
Lot Dimensions	120 ft deep x 60 ft wide
Terrain	Rolling
Garage Type	Attached
Garage Area	780 sqft

Exterior Amenities

Pool Type	Pool Type
Pool Area	512 sqft
Porch	Porch
Porch Area	72 sqft
Patio Area	444 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	81 JAMES ST
City	KEYSER
State	WV
Zip	26726-2740
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LTS 394-395 DAVIS MAP
Legal Subdivision	CITY OF KEYSER
Legal Lot Number	394,395
Jurisdiction	MINERAL WV
Township / Civil Division	2
Census Block Group	2
Census Block	2057
Census Tract	10600

Owner

81 James St is owned and occupied by an individual who bought it in January 2026.

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

Owner of Record	Individual Name on File
Mailing Address	81 JAMES ST, KEYSER, WV 26726-2740
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	Jan 16, 2026 · Amount on File
Deed Sale	Jan 16, 2026 · Amount on File
Deed Document Number	2026214721
Deed Book / Page	416 / 390
Record Updated	Oct 29, 2026

January 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	MINERAL WV
Recording Date	Jan 16, 2026
Property Address	81 JAMES ST, KEYSER, WV 26726-2740
Document Number	000416/390
Book / Page	416 / 390
Map Reference	MB 416 PG 3903
Instrument Date	Jan 15, 2026
Instrument	214721
Transaction Type	Transfer
Record Updated	Jan 30, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$995.50
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	0000214722
Date	Jan 16, 2026
Instrument	214722

Lender

Name	FIRST PEOPLES COMMUNITY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Type Change Date	Feb 1, 2031
Change Frequency	Annually
Min Rate At Change	4.25%
Max Rate At Change	8.25%
Index	1-Year CMT
Max Rate	12.2%

Tax Assessment & Valuation

The 2026 property tax bill for 81 James St was $913 with a homeowner's exemption, up 7.3% from the year before.

Source: Mineral County assessment roll, as of November 24, 2025

Property Jurisdictions

Type	Name
State	West Virginia
County	Mineral County
Municipality	Keyser City
Unified School District	Mineral County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$913.00 (+7.29%)	$78,180 (+5.25%) Land $4,260 Building $73,920	$130,300 (+5.25%) Land $7,100 Building $123,200
2025	$851.00 Homeowner's exemption	$74,280 Land $4,260 Building $70,020	$123,800 Land $7,100 Building $116,700
2023	$775.00 Homeowner's exemption	$69,420 (-) Land $4,260 Building $65,160	$115,700 (-) Land $7,100 Building $108,600
2022	$775.00 Homeowner's exemption	$69,420 Land $4,260 Building $65,160	$115,700 Land $7,100 Building $108,600

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 81 James St in Zone X, an area of minimal flood risk, though there have been 11 flood claims nearby since 1978.

Source: FEMA National Flood Hazard Layer, effective March 19, 2013 · 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
Nearby Flood Claims	11 (1978–2009)
Most Recent Claim	Jun 2009
Claims by Event	Flooding, Jan 1996 · 2 claims Severe Storms & Flooding, Nov 1985 · 3 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 81 James St is low, with a 0.01% 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	0.01% annual chance
Exposure	Indirect within ember reach

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless	100 / 20

May also be available: Breezeline, SkyPacket, T-Mobile.

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