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89 2nd St, Keyser, WV, 26726

5beds
2baths
2,904sqft
$279,990
$96price/sqft
$1,980/moest. monthly cost
$79,200/yrincome needed

About This Home

Spacious and versatile 5-bedroom, 2-bath home offering exceptional flexibility for multi-generational living, rental income potential, or extended guest accommodations. Thoughtfully arranged with a large private mother-in-law suite featuring its own 2 bedrooms, full bath, and separate laundry area, this property provides the ideal setup for independent living while still functioning as a single residential home. The main living area offers comfortable everyday living with generous room sizes, updated finishes, and abundant natural light. The home has seen extensive improvements over recent years including updated windows, doors, storm doors, siding, plumbing, electrical, drywall, flooring, paint, and multiple heating system upgrades. Roof improvements were completed in 2018 with an additional sealant coating added in 2025. Electrical upgrades include new fuse boxes and meters. Outdoor features include a large detached locked garage with newer garage door, front porch, backyard access, and additional outdoor living spaces. Property was tested for asbestos in 2021 with no asbestos found. With approximately 3,096 sq ft of living space, this unique property offers endless possibilities for large households, blended families, home office space, or supplemental living quarters. Conveniently configured and well maintained, this is a rare opportunity to own a spacious home with built-in flexibility and income-producing potential.

Getting Around

62
WalkingSomewhat Walkable
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

--
Keyser HeadstartGrades PK-120.4 mi

Construction

Condition

  • Year built: 1900

Materials

  • Foundation: Crawl Space
  • Roof: Metal
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Traditional
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Instant Hot Water,Gas Water Heater
  • Laundry features: Has Laundry

Basement

  • Area: 0

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 2
  • Main level bedrooms: 5

Features

  • Finished area below ground: 0
  • Finished area above ground: 2,904

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 2,904
  • Total interior livable area: 2,904 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 07 9042700000000
  • Zoning: 101
  • Special condition: Standard
  • Exclusions: Tenant Personal Property

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None

Lot

  • Lot size: 3,811 sqft

Parking

  • Parking features: On Street
  • Has uncovered spaces: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Inland Flooding
    Inland FloodingVery High
  • Hail
    HailModerate
  • Landslide
    LandslideModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Hail
Landslide
Lightning
Strong Wind
Winter Weather

FEMA Declared Disasters Across West Virginia Counties

Severe Storm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,415$16,980
Home Insurance *$165$1,980
Property Taxes $100$1,200
Electricity $300$3,610
Total$1,980$23,760
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$67,885/yr
40% on housing$59,400/yr
45% on housing$52,800/yr

West Virginia FAIR Plan Programs

West Virginia Essential Property Insurance Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 260Commercial: 43
Total Premiums$274,000
Total Exposure$30.03M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 5.0%
5.0%
0%30.0%
Electricity Growth Rate10-year average: 8.0%
8.0%
0%15.0%
Property Taxes Growth Rate2-year average: -5.3%
-5.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$96This listing

vs Other Active Listings

Avg $/sqft

ZIP 26726$117
Mineral County$149

vs Homes Sold Last Month

Median $/sqft

ZIP 26726$115
Mineral County$108

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-05-25Price change$279,990
2026-04-29Listed for sale$299,990
2023-04-09Listing removed--
2021-03-30Contingent$39,900
2021-03-26Listed for sale$39,900

For Sale by Agent

AgentKen Judy
BrokerageExp Realty, LLC

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