86 Joy Ln, Culloden, WV 25510 Property Records

Putnam County property record for 86 Joy Ln, Culloden, WV 25510

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,188 sqft · built 1980
Lot Size	0.608 acres (26,484 sqft)
Owner	Individual Name on File
Tax Bill	$1,641 (2026)
Deeds & Mortgages	May 2023 Mortgage May 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-230E-0042.0000`

Property Details

APN / Parcel Number

Primary APN	`04-230E-0042.0000`
Alternative APNs	`40-04-230E-0042.0000` `00041043`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,188 sqft Living Area
1st Floor Area	4,376 sqft

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Raised
Lot Area	26,484 sqft (0.608 acres)
Lot Dimensions	212 ft deep x 100 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	00041043
Street Address	86 JOY LN
City	CULLODEN
State	WV
Zip	25510-7278
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	0.50 AC
Jurisdiction	PUTNAM WV
Township / Civil Division	3
Census Block Group	4
Census Block	4014
Census Tract	20608

Owner

86 Joy Ln is owned and occupied by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	86 JOY LN, CULLODEN, WV 25510-7278
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
May 8, 2023	Deed of Trust, Mortgage · Conventional Mortgage WEST VIRGINIA CENTRAL CU
May 8, 2023	Deed of Trust, Mortgage · Line of Credit WEST VIRGINIA CENTRAL CU
Apr 6, 2017	Deed of Trust, Mortgage · Line of Credit WEST VIRGINIA CENTRAL CU

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM WV
Property Address	86 JOY LN, CULLODEN, WV 25510-7278
Transaction Type	Mortgage
Record Updated	May 31, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001343/622
Date	May 8, 2023
Book Page	1343/622
Instrument	005457220006

Lender

Name	WEST VIRGINIA CENTRAL CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 1, 2038

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM WV
Property Address	86 JOY LN, CULLODEN, WV 25510-7278
Transaction Type	Mortgage
Record Updated	May 31, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001343/628
Date	May 8, 2023
Book Page	1343/628
Instrument	005457230007

Lender

Name	WEST VIRGINIA CENTRAL CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	May 7, 2043

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM WV
Property Address	86 JOY LN, CULLODEN, WV 25510-7278
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1156/504
Date	Apr 6, 2017
Book Page	1156/504

Lender

Name	WEST VIRGINIA CENTRAL CU
Type	Credit Union
Address	SOUTH CHARLESTON, WV 25303

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2026 property tax bill for 86 Joy Ln was $1,641, up 5.1% 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	$1,641.00 (+5.12%)	$131,280 (+6.27%) Land $23,460 Building $107,820	$218,800 (+6.27%) Land $39,100 Building $179,700
2025	$1,561.00	$123,540 Land $21,540 Building $102,000	$205,900 Land $35,900 Building $170,000
2023	$1,296.00 (+1.25%)	$106,680 (+0.4%) Land $18,540 Building $88,140	$177,800 (+0.4%) Land $30,900 Building $146,900
2022	$1,280.00	$106,260 Land $18,540 Building $87,720	$177,100 Land $30,900 Building $146,200

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

Flood

FEMA maps place 86 Joy Ln in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective February 2, 2012

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 86 Joy Ln 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.

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

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Optimum Cable	940 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: local2u.

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