976 Ridgemont Rd, Charleston, WV 25314 Property Records

Kanawha County property record for 976 Ridgemont Rd, Charleston, WV 25314

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,651 sqft · built 1940
Lot Size	0.083 acres (3,659 sqft)
Owner	Individual Name on Record
Last Sale	$199,000 (May 2018)
Tax Bill	$1,917 (2025)
Deeds & Mortgages	Jul 2023 Line of Credit May 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-5-0098.0000`

Property Details

APN / Parcel Number

Primary APN	`14-5-0098.0000`
Alternative APNs	`20-14-5-0098.0000` `06220804`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,651 sqft Living Area
1st Floor Area	984 sqft
Basement Area	559 sqft
Finished Basement	559 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Architectural Style	Colonial
Exterior Material	Brick
Construction Type	Brick
Lot Area	3,659 sqft (0.083 acres)
Lot Dimensions	68 ft deep x 57 ft wide
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	06220804
Street Address	976 RIDGEMONT RD
City	CHARLESTON
State	WV
Zip	25314-1154
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT BK 26 SUB SO CHAS IMP CO LANDS RIDGEMONT & WALNUT STS
Legal Block	26
Jurisdiction	KANAWHA WV
Township / Civil Division	2
Census Block Group	4
Census Block	4016
Census Tract	2000

Owner

Source: Kanawha County records, as of November 5, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	976 RIDGEMONT RD, CHARLESTON, WV 25314-1154
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 19, 2023	Deed of Trust, Mortgage · Line of Credit ELEMENT FCU
May 31, 2018	Warranty Deed, Transfer · Conventional with PMI GATEWAY MTG GRP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 31, 2018 · Amount on Record
Deed Sale	May 31, 2018 · Amount on Record
Deed Document Number	3003751
Deed Book / Page	003003 / 000751
Record Updated	Jun 8, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANAWHA WV
Property Address	976 RIDGEMONT RD, CHARLESTON, WV 25314-1154
Transaction Type	Mortgage
Record Updated	Sep 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0046510278
Date	Jul 19, 2023
Instrument	46510278

Lender

Name	ELEMENT FCU

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Jun 13, 2033

Interest

Rate Type	Adjustable Rate

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANAWHA WV
Recording Date	May 31, 2018
Property Address	976 RIDGEMONT RD, CHARLESTON, WV 25314-1154
Document Number	0030030751
Book / Page	003003 / 000751
Instrument Date	May 22, 2018
Transaction Type	Transfer
Record Updated	Feb 19, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	976 RIDGEMONT RD CHARLESTON WV 253141154, CHARLESTON, WV 25314-1154

Mortgage

Document Number	43080196
Date	May 31, 2018
Book Page	004308/000196

Lender

Name	GATEWAY MTG GRP

Agreement

Type	Conventional with PMI
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Kanawha County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	West Virginia
County	Kanawha County
Municipality	Charleston City
Unified School District	Kanawha County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,917.00 (+6.2%)	$119,160 (+6.2%) Land $10,320 Building $108,840	$198,600 (+6.2%) Land $17,200 Building $181,400
2023	$1,805.00 (+6.99%)	$112,200 (+6.55%) Land $10,320 Building $101,880	$187,000 (+6.55%) Land $17,200 Building $169,800
2022		$105,300 Land $10,320 Building $94,980	$175,500 Land $17,200 Building $158,300
2021	$1,687.00

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 September 22, 2023 · 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	1 in force
Nearby Flood Claims	1 (2011)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Nov 2011 · rainfall accumulation

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	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 325 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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