Mineral County property record for 97 Cardinal Ter, Keyser, WV 26726
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,300 sqft · built 2002 |
| Lot Size | 0.147 acres (6,403 sqft) |
| Owner | Individual Name on File |
| Last Sale | $181,000 (Jun 2024) |
| Tax Bill | $836 (2026) |
| Deeds & Mortgages | Jun 2018 Mortgage Jun 2018 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-15H-0186.0000 |
| Primary APN | 06-15H-0186.0000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,300 sqft Living Area |
| 1st Floor Area | 2,314 sqft |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 6,403 sqft (0.147 acres) |
| Lot Dimensions | 80 ft deep x 80 ft wide |
| Terrain | Rolling |
| Garage Area | 286 sqft |
| Porch | Porch |
| Porch Area | 63 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 97 CARDINAL TER |
|---|---|
| City | KEYSER |
| State | WV |
| Zip | 26726-9478 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 95 QUAIL VALLEY SEC G PHASE 4 .147AC |
| Legal Subdivision | QUAIL VALLEY ESTATES SECTION G PHASE 4 |
| Legal Lot Number | 95 |
| Jurisdiction | MINERAL WV |
| Township / Civil Division | 2 |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 10600 |
97 Cardinal Ter is owned and occupied by an individual who bought it in June 2024.
Source: Mineral County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 97 CARDINAL TER, KEYSER, WV 26726-9478 |
| 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.
| Date | Document |
|---|---|
| Jun 14, 2018 | Deed of Trust, Mortgage · Conventional Mortgage HOMESPIRE MORTGAGE CORP |
| Jun 14, 2018 | Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 25, 2024 · Amount on File |
| Deed Sale | Jun 25, 2024 · Amount on File |
| Prior Sale | Jun 14, 2018 · Amount on File |
| Deed Document Number | 2024205812 |
| Deed Book / Page | 408 / 772 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MINERAL WV |
| Property Address | 97 CARDINAL TER, KEYSER, WV 26726-9478 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 582/58 |
|---|---|
| Date | Jun 14, 2018 |
| Book Page | 582/58 |
| Instrument | 163204 |
| Name | HOMESPIRE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2048 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | MINERAL WV |
| Recording Date | Jun 14, 2018 |
| Property Address | 97 CARDINAL TER, KEYSER, WV 26726-9478 |
| Document Number | 379/184 |
| Book / Page | 379 / 184 |
| Map Reference | BK7 PG106 |
| Instrument Date | May 29, 2018 |
| Instrument | 163203 |
| Transaction Type | Transfer |
| Record Updated | Nov 8, 2021 |
| Amount | Amount on Record |
|---|---|
| Tax | $924.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
The 2026 property tax bill for 97 Cardinal Ter was $836, up 2.5% from the year before.
Source: Mineral County assessment roll, as of November 24, 2025
| Type | Name |
|---|---|
| State | West Virginia |
| County | Mineral County |
| Unified School District | Mineral County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $836.00 (+2.45%) | $70,020 (+2.37%) Land $14,400 Building $55,620 | $116,700 (+2.37%) Land $24,000 Building $92,700 |
| 2025 | $816.00 | $68,400 Land $14,400 Building $54,000 | $114,000 Land $24,000 Building $90,000 |
| 2023 | $768.00 | $64,380 (-) Land $14,400 Building $49,980 | $107,300 (-) Land $24,000 Building $83,300 |
| 2022 | $768.00 | $64,380 Land $14,400 Building $49,980 | $107,300 Land $24,000 Building $83,300 |
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.
FEMA maps place 97 Cardinal Ter in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2008.
Source: FEMA National Flood Hazard Layer, effective March 19, 2013 · 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 |
| Flood Insurance Cost | Premium on File median of 10 policies |
| Nearby Flood Policies | 10 in force |
| Nearby Flood Claims | 1 (2008) |
| Most Recent Claim | Mar 2008 |
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 risk around 97 Cardinal Ter is low, with a 0.03% 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 | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 194 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
May also be available: SkyPacket.
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