865 Harmons Creek Rd, Poca, WV 25159 Property Records

Putnam County property record for 865 Harmons Creek Rd, Poca, WV 25159

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,400 sqft · built 2000
Lot Size	2.17 acres (94,525 sqft)
Owner	Individual Name on File
Last Sale	$165,000 (Jan 2023)
Tax Bill	$1,001 (2026)
Deeds & Mortgages	Jan 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-198-0009.0003`

Property Details

APN / Parcel Number

Primary APN	`08-198-0009.0003`
Alternative APNs	`40-08-198-0009.0003` `00010703`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,400 sqft Living Area
1st Floor Area	2,800 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Raised
Lot Area	94,525 sqft (2.17 acres)
Terrain	Rolling
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	00010703
Street Address	865 HARMONS CREEK RD
City	POCA
State	WV
Zip	25159-9093
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2.17 AC HARMONS CRK
Jurisdiction	PUTNAM WV
Township / Civil Division	1
Census Block Group	1
Census Block	1008
Census Tract	20500

Owner

865 Harmons Creek Rd is owned and occupied by an individual who bought it in January 2023.

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

Owner of Record	Individual Name on File
Mailing Address	865 HARMONS CREEK RD, POCA, WV 25159-9093
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 19, 2023 · Amount on File
Deed Sale	Jan 19, 2023 · Amount on File
Deed Book / Page	614 / 67
Record Updated	Oct 29, 2026

January 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	PUTNAM WV
Recording Date	Jan 19, 2023
Property Address	865 HARMONS CREEK RD, POCA, WV 25159-9093
Document Number	0000614/67
Book / Page	614 / 67
Map Reference	DB 173 PG 301
Instrument Date	Sep 21, 2022
Instrument	005379290003
Transaction Type	Transfer
Record Updated	Dec 5, 2025
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$726.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	005379300019
Date	Jan 19, 2023
Instrument	005379300019

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	357 Months
Due	Oct 1, 2052

Tax Assessment & Valuation

The 2026 property tax bill for 865 Harmons Creek Rd was $1,001, up 5% 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	$1,001.00 (+5.04%)	$80,100 (+6.21%) Land $20,400 Building $59,700	$133,500 (+6.21%) Land $34,000 Building $99,500
2025	$953.00	$75,420 Land $18,540 Building $56,880	$125,700 Land $30,900 Building $94,800
2023	$370.00 (-44.11%) Homeowner's exemption	$50,520 (-32.64%) Land $17,940 Building $32,580	$84,200 (-32.64%) Land $29,900 Building $54,300
2022	$662.00 Homeowner's exemption	$75,000 Land $27,000 Building $48,000	$125,000 Land $45,000 Building $80,000

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 865 Harmons Creek Rd in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1997.

Source: FEMA National Flood Hazard Layer, effective February 2, 2012 · 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
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	6 in force
Nearby Flood Claims	7 (1997–2021)
Most Recent Claim	Mar 2021 · river or lake flooding
Claims by Event	Heavy & Wind Driven Rain, High Winds,flooding,slides, Mar 1997 · 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 865 Harmons Creek Rd is moderate, ranking above 43% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 43% of the US · above 61% of West Virginia
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Frontier DSL	10 / 1

Cell Coverage

4G LTE (outdoors only), no 5G reported

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