91 Clearwater Dr, Winfield, WV 25213 Property Records

Putnam County property record for 91 Clearwater Dr, Winfield, WV 25213

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,375 sqft · built 2006
Lot Size	3.23 acres (140,699 sqft)
Owner	2 Individual Names on Record
Last Sale	$470,000 (Apr 2019)
Tax Bill	$4,450 (2026)
Deeds & Mortgages	Oct 2022 Line of Credit Apr 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-193A-0008.0000`

Property Details

APN / Parcel Number

Primary APN	`10-193A-0008.0000`
Alternative APNs	`40-10-193A-0008.0000` `00052250`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	17 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,375 sqft Living Area
1st Floor Area	2,968 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Modern
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Raised
Lot Area	140,699 sqft (3.23 acres)
Lot Dimensions	439 ft deep x 51.6 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	00052250
Street Address	91 CLEARWATER DR
City	WINFIELD
State	WV
Zip	25213-9560
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1984 CRYSTAL SPRINGS SUBD SEC 1 PH 1
Legal Subdivision	CRYSTAL SPRINGS SUB
Legal Lot Number	1984
Jurisdiction	PUTNAM WV
Township / Civil Division	2
Census Block Group	3
Census Block	3066
Census Tract	20300

Owner

Source: Putnam 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	91 CLEARWATER DR, WINFIELD, WV 25213-9560
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 13, 2022	Deed of Trust, Mortgage · Line of Credit CITY NATIONAL BANK
Apr 22, 2019	Fiduciary Deed, Transfer · ARM CITY NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 22, 2019 · Amount on Record
Deed Sale	Apr 22, 2019 · Amount on Record
Prior Sale	Jun 29, 2007 · Amount on Record
Deed Document Number	20194613810002
Deed Book / Page	575 / 641
Transfer Doc	000467/850
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM WV
Property Address	91 CLEARWATER DR, WINFIELD, WV 25213-9560
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001334/33
Date	Oct 13, 2022
Book Page	1334/33
Instrument	005333680008

Lender

Name	CITY NATIONAL BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Oct 7, 2032

Interest

Rate Type	Fixed Rate

April 2019: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	PUTNAM WV
Recording Date	Apr 22, 2019
Property Address	91 CLEARWATER DR, WINFIELD, WV 25213-9560
Document Number	000575/641
Book / Page	575 / 641
Map Reference	DB 476 PG 404
Instrument Date	Apr 18, 2019
Instrument	004613810002
Transaction Type	Transfer
Record Updated	Jun 13, 2023
Title Company	BESTITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,068.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship

Mortgage

Document Number	00001212/1
Date	Apr 22, 2019
Book Page	1212/1
Instrument	004613820019

Lender

Name	CITY NATIONAL BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2049

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2026
Change Frequency	Annually
Min Rate At Change	2.88%
Max Rate At Change	6.15%
Index	1-Year CMT

Tax Assessment & Valuation

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	$4,450.00 (+7.54%)	$355,980 (+8.74%) Land $88,560 Building $267,420	$593,300 (+8.74%) Land $147,600 Building $445,700
2025	$4,138.00 (+22.64%)	$327,360 (+17.89%) Land $72,360 Building $255,000	$545,600 (+17.89%) Land $120,600 Building $425,000
2023	$3,374.00 (-0.03%)	$277,680 (-0.84%) Land $72,360 Building $205,320	$462,800 (-0.84%) Land $120,600 Building $342,200
2022	$3,375.00	$280,020 Land $76,620 Building $203,400	$466,700 Land $127,700 Building $339,000

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

Flood

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	9 in force
Nearby Flood Claims	8 (1996–2018)
Claims Outside the SFHA	2 of 8
Most Recent Claim	Aug 2018 · river or lake flooding
Claims by Event	Heavy & Wind Driven Rain, High Winds,flooding,slides, Mar 1997 · 2 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

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

Wildfire Risk	Moderate above 40% of the US · above 55% of West Virginia
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	PUTNAM P S D serves 26,410 people · EPA ID WV3304011
Water Source	Surface water
Last State Inspection	Dec 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	4 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 19 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: AT&T, Frontier, T-Mobile, Xfinity.

Cell Coverage

5G (outdoors only) and 4G LTE

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