86 4th St, Spelter, WV 26438 Property Records

Harrison County property record for 86 4th St, Spelter, WV 26438

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,597 sqft · built 1906
Lot Size	0.172 acres (7,492 sqft)
Owner	Individual Name on Record
Last Sale	$154,000 (Aug 2026)
Tax Bill	$610 (2026)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Oct 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-1101-0078.0000`

Property Details

APN / Parcel Number

Primary APN	`07-1101-0078.0000`
Alternative APNs	`17-07-1101-0078.0000` `06401681`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,597 sqft Living Area
1st Floor Area	2,228 sqft
Game Room	Game Room

Exterior

Year Built	Built 1906
Effective Year Built	Effective 1906
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Lot Area	7,492 sqft (0.172 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Terrain	Rolling

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	06401681
Street Address	86 4TH ST
City	SPELTER
State	WV
Zip	26438
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1 LOT #122 SPELTER
Legal Subdivision	BRENDA COLLEN SHIRE
Legal Lot Number	122
Jurisdiction	HARRISON WV
Township / Civil Division	EASTERN
Census Block Group	1
Census Block	1076
Census Tract	30801

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	86 4TH ST, SPELTER, WV 26438
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 14, 2026	Deed, Transfer · Conventional Mortgage MORTGAGE MORTGAGE
Oct 29, 2019	Grant Deed, Transfer · Conventional Mortgage HOUSING & CMNTY DEV DEPT

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 14, 2026 · Amount on Record
Deed Sale	Aug 14, 2026 · Amount on Record
Prior Sale	Nov 16, 2020 · Amount on Record
Deed Document Number	202619047
Deed Book / Page	1830 / 351
Prior Transfer Date	Jun 13, 1997
Prior Transfer Doc	1375/0339
Record Updated	Oct 29, 2026

August 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	HARRISON WV
Recording Date	Aug 14, 2026
Property Address	86 4TH ST, SPELTER, WV 26438
Document Number	0000019047
Book / Page	1830 / 351
Instrument Date	Aug 10, 2026
Instrument	202619047
Transaction Type	Transfer
Record Updated	Aug 28, 2026
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$85,547.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	86 4TH ST, SPELTER, WV 26438

Mortgage

Document Number	0000019048,
Date	Aug 14, 2026
Instrument	202619048

Lender

Name	MORTGAGE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

Mortgage

Document Number	0000019049,
Date	Aug 14, 2026
Book Page	1556/896
Instrument	202619049

Lender

Name	WEST VIRGINIA HOUSING DEV FUND

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 1, 2041

Interest

Max Rate	-1%

October 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	HARRISON WV
Recording Date	Oct 29, 2019
Property Address	86 4TH ST, SPELTER, WV 26438
Document Number	0000024676
Book / Page	001666 / 000115
Instrument Date	Sep 24, 2019
Instrument	24676
Transaction Type	Transfer
Record Updated	Nov 13, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$514.80
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	116 OAKWOOD DR SHINNSTON WV 264311039, SHINNSTON, WV 26431-1039

Mortgage

Document Number	24678
Date	Oct 29, 2019
Book Page	001409/000977
Instrument	24678

Lender

Name	HOUSING & CMNTY DEV DEPT
Type	Construction/Development Company
Address	5710 MACCORKLE AVE SE, CHARLESTON, WV 25304-2804

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 28, 2034

Mortgage

Document Number	24677,
Date	Oct 29, 2019
Book Page	001409/000962
Instrument	24677

Lender

Name	HUNTINGTON NAT'L BK
Type	Bank
Address	COLUMBUS, OH 43235

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 28, 2049

Tax Assessment & Valuation

Source: Harrison County assessment roll, as of October 30, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$610.00 (-4.09%)	$53,940 (-1.21%) Land $1,800 Building $52,140	$89,900 (-1.21%) Land $3,000 Building $86,900
2025	$636.00 (+14.39%)	$54,600 (+14.18%) Land $1,800 Building $52,800	$91,000 (+14.18%) Land $3,000 Building $88,000
2023	$556.00 (-0.18%)	$47,820 (+1.01%) Land $1,800 Building $46,020	$79,700 (+1.01%) Land $3,000 Building $76,700
2022	$557.00	$47,340 Land $1,800 Building $45,540	$78,900 Land $3,000 Building $75,900

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 October 10, 2016 · 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
Nearby Flood Policies	4 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	Low lower than 94% of the US · lower than 99.2% of West Virginia
Wildfire Likelihood	Under 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	GREATER HARRISON PSD LOST CREEK MT CLARE serves 3,536 people · EPA ID WV3301713
Water Source	Purchased surface water from CLARKSBURG WATER BOARD
Last State Inspection	Oct 2025
Also Mapped Here	ENLARGED HEPZIBAH PSD
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Apr 2023 Total trihalomethanes resolved · Jan 2023
Treatment and Procedure	None last 10 years
Monitoring and Reporting	31 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 177 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Optimum Cable	500 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Spectrum, Verizon.

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