Morgan County property record for 107 Spring Valley Dr, Berkeley Springs, WV 25411
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,168 sqft · built 1980 |
| Lot Size | 1.92 acres (83,766 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $370,000 (Sep 2025) |
| Tax Bill | $2,112 (2026) |
| Deeds & Mortgages | Sep 2025 Sale & Mortgage May 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-10-0042.0013 |
| Primary APN | 02-10-0042.0013 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 3,168 sqft Living Area |
| 1st Floor Area | 3,176 sqft |
| Basement Area | 1,400 sqft |
| Finished Basement | 1,400 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Tri-Level |
| Exterior Material | Brick/Stone |
| Construction Type | Frame |
| Lot Area | 83,766 sqft (1.92 acres) |
| Terrain | Rolling |
| Garage Area | 500 sqft |
| Patio Area | 404 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 107 SPRING VALLEY DR |
|---|---|
| City | BERKELEY SPRINGS |
| State | WV |
| Zip | 25411-6151 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SPRING VALLEY S/D LOT 13 1.923 AC |
| Legal Subdivision | SPRING VALLEY S/D |
| Legal Lot Number | 13 |
| Jurisdiction | MORGAN WV |
| Township / Civil Division | 2 |
| Census Block Group | 1 |
| Census Block | 1031 |
| Census Tract | 970701 |
107 Spring Valley Dr is owned and occupied by two individuals who bought it in September 2025.
Source: Morgan County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 107 SPRING VALLEY DR, BERKELEY SPRINGS, WV 25411-6151 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 12, 2025 | Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| May 25, 2021 | Deed, Transfer · Stand-Alone First Mortgage NAVY FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 12, 2025 · Amount on File |
| Deed Sale | Sep 12, 2025 · Amount on File |
| Prior Sale | May 25, 2021 · Amount on File |
| Deed Document Number | 2025914202 |
| Deed Book / Page | 302 / 517 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MORGAN WV |
| Recording Date | Sep 12, 2025 |
| Property Address | 107 SPRING VALLEY DR, BERKELEY SPRINGS, WV 25411-6151 |
| Document Number | 000302/517 |
| Book / Page | 302 / 517 |
| Instrument Date | Sep 8, 2025 |
| Instrument | 914202 |
| Transaction Type | Transfer |
| Record Updated | Oct 14, 2025 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 107 SPRING VALLEY DR, BERKELEY SPRINGS, WV 25411-6151 |
| Document Number | 0000914203 |
|---|---|
| Date | Sep 12, 2025 |
| Instrument | 914203 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2055 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | MORGAN WV |
| Recording Date | May 25, 2021 |
| Property Address | 107 SPRING VALLEY DR, BERKELEY SPRINGS, WV 25411-6151 |
| Document Number | 000281/433 |
| Book / Page | 281 / 433 |
| Instrument Date | May 20, 2021 |
| Instrument | 877545 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2022 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 000468/597 |
|---|---|
| Date | May 25, 2021 |
| Book Page | 468/597 |
| Instrument | 877546 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2051 |
The 2026 property tax bill for 107 Spring Valley Dr was $2,112, up 7.2% from the year before.
Source: Morgan County assessment roll, as of November 18, 2025
| Type | Name |
|---|---|
| State | West Virginia |
| County | Morgan County |
| Unified School District | Morgan County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,112.00 (+7.15%) | $213,000 (+7.41%) Land $26,820 Building $186,180 | $355,000 (+7.41%) Land $44,700 Building $310,300 |
| 2025 | $1,971.00 (+8.24%) | $198,300 (+8.93%) Land $26,820 Building $171,480 | $330,500 (+8.93%) Land $44,700 Building $285,800 |
| 2024 | $1,821.00 (+2.07%) | $182,040 (+2.09%) Land $24,600 Building $157,440 | $303,400 (+2.09%) Land $41,000 Building $262,400 |
| 2023 | $1,784.00 (+0.79%) | $178,320 (+0.78%) Land $24,600 Building $153,720 | $297,200 (+0.78%) Land $41,000 Building $256,200 |
| 2022 | $1,770.00 | $176,940 Land $24,600 Building $152,340 | $294,900 Land $41,000 Building $253,900 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 107 Spring Valley Dr in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective September 25, 2009 · 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 | 4 in force |
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 risk around 107 Spring Valley Dr is low, with a 0.03% 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 | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 36 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
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