103 Ray St, Shepherdstown, WV 25443 Property Records

Jefferson County property record for 103 Ray St, Shepherdstown, WV 25443

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 844 sqft · built 1900
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on File
Last Sale	$185,000 (Apr 2025)
Tax Bill	$1,404 (2026)
Deeds & Mortgages	Apr 2025 Sale Aug 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`10-3-0125.0000`

Property Details

APN / Parcel Number

Primary APN	`10-3-0125.0000`
Alternative APN	`19-10-3-0125.0000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	844 sqft Living Area
1st Floor Area	944 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Conventional
Exterior Material	Brick Veneer
Construction Type	Frame
Foundation Type	Raised
Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	174 ft deep x 40 ft wide
Terrain	Rolling

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	103 RAY ST
City	SHEPHERDSTOWN
State	WV
Zip	25443-1714
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1 LT-RAY'S ADDITION
Jurisdiction	JEFFERSON WV
Township / Civil Division	SHEPHERDSTOWN
Census Block Group	1
Census Block	1008
Census Tract	972203

Owner

103 Ray St is owned and occupied by an individual who bought it in April 2025.

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

Owner of Record	Individual Name on File
Mailing Address	103 RAY ST, SHEPHERDSTOWN, WV 25443-1714
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 25, 2025	Warranty Deed, Transfer
Aug 7, 2020	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 25, 2025 · Amount on File
Deed Sale	Apr 25, 2025 · Amount on File
Prior Sale	Mar 7, 2005 · Amount on File
Deed Document Number	20254987
Deed Book / Page	1345 / 241
Prior Transfer Date	Mar 31, 2011
Prior Transfer Doc	001091/474
Record Updated	Oct 29, 2026

April 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON WV
Recording Date	Apr 25, 2025
Property Address	103 RAY ST, SHEPHERDSTOWN, WV 25443-1714
Document Number	001345/241
Book / Page	1345 / 241
Instrument Date	Apr 21, 2025
Instrument	202500004987
Transaction Type	Transfer
Record Updated	Nov 14, 2025

Transaction

Amount	Amount on Record
Tax	$906.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

August 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	JEFFERSON WV
Recording Date	Aug 7, 2020
Property Address	103 RAY ST, SHEPHERDSTOWN, WV 25443
Document Number	0000010277
Book / Page	001246 / 000448
Instrument Date	Jul 31, 2020
Instrument	10277
Transaction Type	Transfer
Record Updated	Aug 27, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$792.00
Amount Accuracy	Confirmed
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	PO BOX 284 SHEPHERDSTOWN WV 254430284, SHEPHERDSTOWN, WV 25443-0284

Tax Assessment & Valuation

The 2026 property tax bill for 103 Ray St was $1,404, down 50.6% 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	$1,404.00 (-50.62%)	$105,900 (-0.56%) Land $69,400 Building $36,500	$176,500 (-0.51%) Land $115,667 Building $60,833
2025	$2,843.00	$106,500 Land $69,400 Building $37,100	$177,400 Land $115,600 Building $61,800
2023	$2,765.00	$103,600 Land $69,400 Building $34,200	$172,600 Land $115,600 Building $57,000

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

Flood

FEMA maps place 103 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 103 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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