108 Key Oak Ln, Berkeley Springs, WV 25411 Property Records

Morgan County property record for 108 Key Oak Ln, Berkeley Springs, WV 25411

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,725 sqft · built 2012
Lot Size	2.08 acres (90,997 sqft)
Owner	2 Individual Names on Record
Last Sale	$220,000 (Mar 2018)
Tax Bill	$1,880 (2026)
Deeds & Mortgages	Mar 2018 Mortgage Sep 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`01-18-0026.0003`

Property Details

APN / Parcel Number

Primary APN	`01-18-0026.0003`
Alternative APN	`33-01-18-0026.0003`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,725 sqft Living Area
1st Floor Area	2,464 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Architectural Style	Cape Cod
Construction Type	Frame
Lot Area	90,997 sqft (2.08 acres)
Terrain	Rolling

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	108 KEY OAK LN
City	BERKELEY SPRINGS
State	WV
Zip	25411-7491
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KESECKER KNOLL SEC II LOT 5 2.089 AC
Legal Lot Number	5
Jurisdiction	MORGAN WV
Township / Civil Division	3
Census Block Group	1
Census Block	1028
Census Tract	970701

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	108 KEY OAK LN, BERKELEY SPRINGS, WV 25411-7491
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 20, 2018	Deed of Trust, Mortgage · FHA Mortgage VETERANS UNITED HOME LOANS
Sep 10, 2019	Deed of Trust, Mortgage · VA Mortgage VETERANS UNITED HOME LOANS
Nov 12, 2020	Quit Claim Deed, Transfer Quitclaim
Mar 20, 2018	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 20, 2018 · Amount on Record
Deed Sale	Mar 20, 2018 · Amount on Record
Deed Document Number	2018844298
Deed Book / Page	265 / 721
Last Transfer Date	Nov 6, 2020
Transfer Doc	278/519
Record Updated	Oct 29, 2026

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN WV
Property Address	108 KEY OAK LN, BERKELEY SPRINGS, WV 25411-7491
Transaction Type	Mortgage
Record Updated	Jun 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000428/0000000245
Date	Mar 20, 2018
Book Page	0000000428/0000000245
Instrument	000000844299

Lender

Name	VETERANS UNITED HOME LOANS
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Jan 1, 2048

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN WV
Property Address	108 KEY OAK LN, BERKELEY SPRINGS, WV 25411-7491
Transaction Type	Mortgage
Record Updated	Jun 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	442/745
Date	Sep 10, 2019
Book Page	442/745
Instrument	859412

Lender

Name	VETERANS UNITED HOME LOANS
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MORGAN WV
Recording Date	Nov 12, 2020
Property Address	108 KEY OAK LN, BERKELEY SPRINGS, WV 25411-7491
Document Number	278/519
Book / Page	278 / 519
Instrument Date	Nov 6, 2020
Instrument	871382
Transaction Type	Transfer
Record Updated	Jun 28, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 KEY OAK LN, BERKELEY SPRINGS, WV 25411-7491

March 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	MORGAN WV
Recording Date	Mar 20, 2018
Property Address	108 KEY OAK LN, BERKELEY SPRINGS, WV 25411-7491
Document Number	265/721
Book / Page	265 / 721
Instrument	000000844298
Transaction Type	Transfer
Record Updated	Jun 28, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 KEY OAK LN, BERKELEY SPRINGS, WV 25411-7491

Tax Assessment & Valuation

Source: Morgan County assessment roll, as of November 18, 2025

Property Jurisdictions

Type	Name
State	West Virginia
County	Morgan County
Unified School District	Morgan County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,880.00 (+7.12%)	$189,600 (+7.37%) Land $24,960 Building $164,640	$316,000 (+7.37%) Land $41,600 Building $274,400
2025	$1,755.00 (+10.45%)	$176,580 (+11.18%) Land $24,960 Building $151,620	$294,300 (+11.18%) Land $41,600 Building $252,700
2023	$1,589.00 (+4.06%)	$158,820 (+4.01%) Land $22,920 Building $135,900	$264,700 (+4.01%) Land $38,200 Building $226,500
2022	$1,527.00	$152,700 Land $18,420 Building $134,280	$254,500 Land $30,700 Building $223,800

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

Flood

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

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	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 23 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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