99 LOWER TERRACE DR WAYNE WV 255705812, WAYNE, WV 25570-5812
Mortgage
Document Number
3130541493
Date
Jul 6, 2020
Book Page
000823/000369
Instrument
3130541493
Lender
Name
CITY NAT'L BK/WV
Type
Bank
Address
WAYNE, WV 25570
Agreement
Type
Line of Credit
Amount
Amount on Record
Term
60 Months
Due
Jul 5, 2025
Interest
Rate Type
Adjustable Rate
Tax Assessment & Valuation
The 2025 property tax bill for 99 Lower Terrace Dr was $686, up 6.4% from the year before.
Source: Wayne County assessment roll, as of July 1, 2025
Property Jurisdictions
Type
Name
State
West Virginia
County
Wayne County
Municipality
Wayne Town
Unified School District
Wayne County School District (PK - 12)
Tax Bill & Assessment History
Year
Tax Bill
Assessed Value
Assessed Market Value
2025
$686.00 (+6.36%)
$43,800 (-)Land $2,160Building $41,640
$73,000 (-)Land $3,600Building $69,400
2024
$645.00 (+1.57%)
$43,800 (+1.96%)Land $2,160Building $41,640
$73,000 (+1.96%)Land $3,600Building $69,400
2023
$635.00
$42,960Land $2,160Building $40,800
$71,600Land $3,600Building $68,000
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Flood
FEMA maps place 99 Lower Terrace Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective September 23, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
FEMA Flood Zone
Zone X minimal risk
Nearest Special Flood Hazard Area
Zone AE, within 500 ft
Flood Insurance Requirement
Not required lenders may require it
Nearby Flood Policies
6 in force
Nearby Flood Claims
27 (1980–2015)
Claims Outside the SFHA
9 of 27
Most Recent Claim
Apr 2015 · Severe Storms, Flooding, Landslides, And Mudslides
Claims by Event
Severe Storms, Flooding, And Landslides, Nov 2003 · 6 claims
Heavy & Wind Driven Rain, High Winds,flooding,slides, Mar 1997 · 5 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 99 Lower Terrace Dr is moderate, ranking above 42% 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 42% of the US · above 60% of West Virginia
Wildfire Likelihood
0.07% 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
TOWN OF WAYNE WATER serves 5,519 people · EPA ID WV3305007
Water Source
Surface water
Last State Inspection
Mar 2025
Lead
Under 1 ppb (2025–2027) action level 15 ppb
Violations Reported to EPA
Listed by EPA as a serious violator, with a treatment or procedure violation still open.
Water Quality
Total trihalomethanes resolved · Jul 2023
Treatment and Procedure
Sanitary survey deficiency not corrected currently in violation since Aug 2025
Monitoring and Reporting
6 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 193 locations within half a mile, as of December 31, 2025