101 Ray St, Shepherdstown, WV 25443 Property Records

Jefferson County property record for 101 Ray St, Shepherdstown, WV 25443

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 704 sqft · built 1980
Lot Size	0.1 acres (4,356 sqft)
Owner	2 Individual Names on File
Last Sale	$175,000 (Jun 2022)
Tax Bill	$2,883 (2026)
Deeds & Mortgages	Jun 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-3-0127.0000`

Property Details

APN / Parcel Number

Primary APN	`10-3-0127.0000`
Alternative APN	`19-10-3-0127.0000`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	3 Rooms
Stories	1 Story
Building Area	704 sqft Living Area
1st Floor Area	1,152 sqft

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Conventional
Exterior Material	Stucco
Foundation Type	Raised
Lot Area	4,356 sqft (0.1 acres)
Lot Dimensions	175 ft deep x 25 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	101 RAY ST
City	SHEPHERDSTOWN
State	WV
Zip	25443-1714
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT LT-RAY'S ADDITION
Jurisdiction	JEFFERSON WV
Township / Civil Division	SHEPHERDSTOWN
Census Block Group	1
Census Block	1008
Census Tract	972203

Owner

101 Ray St is owned by two individuals who bought it in June 2022.

Source: Jefferson County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	15605 ASHBURY CHURCH RD, HILLSBORO, VA 20132-2818
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 28, 2022 · Amount on File
Deed Sale	Jun 28, 2022 · Amount on File
Prior Sale	Jun 6, 2016 · Amount on File
Deed Document Number	20229325
Deed Book / Page	1283 / 655
Record Updated	Oct 29, 2026

June 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	JEFFERSON WV
Recording Date	Jun 28, 2022
Property Address	101 RAY ST, SHEPHERDSTOWN, WV 25443-1714
Document Number	001283/655
Book / Page	1283 / 655
Map Reference	MB 283 PG 392
Instrument Date	Jun 24, 2022
Instrument	202200009325
Transaction Type	Transfer
Record Updated	Oct 25, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$857.50
Amount Accuracy	Full Amount Stated
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
Address	15605 ASHBURY CHURCH RD, HILLSBORO, VA 20132-2818

Mortgage

Document Number	202200009326
Date	Jun 28, 2022
Instrument	202200009326

Lender

Name	ATLANTIC COAST MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2052

Tax Assessment & Valuation

The 2026 property tax bill for 101 Ray St was $2,883, down 1.3% from the year before.

Source: Jefferson County assessment roll, as of November 14, 2025

Property Jurisdictions

Type	Name
State	West Virginia
County	Jefferson County
Municipality	Shepherdstown Town
Unified School District	Jefferson County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,883.00 (-1.27%)	$108,700 (-0.64%) Land $57,800 Building $50,900	$181,167 (-0.62%) Land $96,333 Building $84,833
2025	$2,920.00	$109,400 Land $57,800 Building $51,600	$182,300 Land $96,300 Building $86,000
2023	$2,762.00	$103,500 Land $57,800 Building $45,700	$172,400 Land $96,300 Building $76,100

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

Flood

FEMA maps place 101 Ray St in Zone X, an area of minimal flood risk, though there have been 10 flood claims nearby since 1985.

Source: FEMA National Flood Hazard Layer, effective July 23, 2024 · 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 13 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	13 in force
Nearby Flood Claims	10 (1985–2025)
Claims Outside the SFHA	3 of 10
Most Recent Claim	May 2025 · rainfall accumulation
Claims by Event	Hurricane Fran And Associated Heavy Rains,flooding Highwind, Sep 1996 · 3 claims Flooding, Jan 1996 · 3 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 101 Ray St is low, with a 0.01% 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	0.01% annual chance
Exposure	Direct burnable vegetation

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	CORPORATION OF SHEPHERDSTOWN serves 4,300 people · EPA ID WV3301933
Water Source	Surface water
Last State Inspection	Dec 2024
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 199 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Glo Fiber.

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