862 Saddletree Rd, Mount Clare, WV 26408 Property Records

Harrison County property record for 862 Saddletree Rd, Mount Clare, WV 26408

Property Summary

Property Type	Rural Home
Details	3 bd · 3 ba · 3,654 sqft · built 1988
Lot Size	53 acres (2,309,551 sqft)
Owner	2 Individual Names on Record
Last Sale	$705,000 (Jul 2022)
Tax Bill	$3,291 (2026)
Deeds & Mortgages	Jul 2022 Mortgage Jul 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`11-389-0005.0000`

Property Details

APN / Parcel Number

Primary APN	`11-389-0005.0000`
Alternative APNs	`17-11-389-0005.0000` `06053058`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	3,654 sqft Living Area
1st Floor Area	3,654 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Colonial
Exterior Material	Brick Veneer
Construction Type	Frame
Lot Area	2,309,551 sqft (53 acres)
Terrain	Below Road/Slope
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	06053058
Street Address	862 SADDLETREE RD
City	MOUNT CLARE
State	WV
Zip	26408-6902
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	53.02 AC FALL RUN
Legal Subdivision	FALL RUN
Jurisdiction	HARRISON WV
Township / Civil Division	SOUTHERN
Census Block Group	1
Census Block	1000
Census Tract	31200

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	2 Individual Names on Record
Mailing Address	862 SADDLETREE RD, MOUNT CLARE, WV 26408-6902
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 7, 2022	Deed of Trust, Mortgage · Conventional Mortgage HARRISON COUNTY BANK
Jul 7, 2022	Deed, Transfer · Conventional Mortgage HARRISON COUNTY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 7, 2022 · Amount on Record
Deed Sale	Jul 7, 2022 · Amount on Record
Prior Sale	Jun 19, 2014 · Amount on Record
Deed Document Number	202219316
Deed Book / Page	37 / 986
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRISON WV
Property Address	862 SADDLETREE RD, MOUNT CLARE, WV 26408-6902
Transaction Type	Mortgage
Record Updated	Aug 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01480/1298
Date	Jul 7, 2022
Book Page	1480/1298
Instrument	202200019317

Lender

Name	HARRISON COUNTY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	May 26, 2042

Interest

Rate Type	Fixed Rate

July 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	HARRISON WV
Recording Date	Jul 7, 2022
Property Address	862 SADDLETREE RD, MOUNT CLARE, WV 26408-6902
Document Number	001734/305
Book / Page	1734 / 305
Map Reference	DB 1474 PG 1087
Instrument Date	Jun 29, 2022
Instrument	202200019315
Transaction Type	Transfer
Record Updated	Sep 8, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,877.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship

Mortgage

Document Number	01480/1298
Date	Jul 7, 2022
Book Page	1480/1298
Instrument	202200019316

Lender

Name	HARRISON COUNTY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	May 26, 2042

Interest

Rate Type	Fixed Rate

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	$3,291.00 (-2.92%)	$291,060 (-) Land $31,440 Building $259,620	$485,100 (-) Land $52,400 Building $432,700
2025	$3,390.00 (+0.86%)	$291,060 (+0.8%) Land $31,440 Building $259,620	$485,100 (+0.81%) Land $52,400 Building $432,700
2023	$3,361.00 (+0.06%)	$288,750 (+1.28%) Land $63,150 Building $225,600	$481,200 (+1.28%) Land $105,200 Building $376,000
2022	$3,359.00	$285,090 Land $61,470 Building $223,620	$475,100 Land $102,400 Building $372,700

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

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

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	0.02% 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 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30
Micrologic Fixed Wireless · not low latency	50 / 10
T-Mobile Fixed Wireless	25 / 3

Cell Coverage

5G (outdoors only) and 4G LTE

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