109 Oberlin Dr, Falling Waters, WV 25419 Property Records

Berkeley County property record for 109 Oberlin Dr, Falling Waters, WV 25419

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,187 sqft · built 2003
Lot Size	0.269 acres (11,761 sqft)
Owner	Individual Name on File
Last Sale	$316,000 (Jul 2021)
Tax Bill	$2,245 (2025)
Deeds & Mortgages	Nov 2023 Mortgage Jul 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`02-13S-0069.0000`

Property Details

APN / Parcel Number

Primary APN	`02-13S-0069.0000`
Alternative APNs	`02-02-13S-0069.0000` `07223304`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,187 sqft Living Area
1st Floor Area	1,085 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	11,761 sqft (0.269 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	07223304
Street Address	109 OBERLIN DR
City	FALLING WATERS
State	WV
Zip	25419-4677
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	.27 ACRE LOT 286 SECTION B PHASE 17 SPRING MILLS
Legal Subdivision	SPRING MILLS SUB PH 17 SEC B
Legal Lot Number	286
Jurisdiction	BERKELEY WV
Township / Civil Division	POTOMAC
Census Block Group	2
Census Block	2006
Census Tract	971105

Owner

109 Oberlin Dr is owned and occupied by an individual who bought it in July 2021.

Source: Berkeley County records, as of November 14, 2025

Owner of Record	Individual Name on File
Mailing Address	109 OBERLIN DR, FALLING WATERS, WV 25419-4677
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
Nov 3, 2023	Deed of Trust, Mortgage · FHA Mortgage HUD
Jul 7, 2021	Deed, Transfer · FHA Mortgage INTEGRITY HOME MORTGAGE CORP
Jan 6, 2017	Deed of Trust, Mortgage · ARM CITY NATIONAL BANK OF WEST VIRGINIA
Apr 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 7, 2021 · Amount on File
Deed Sale	Jul 7, 2021 · Amount on File
Prior Sale	Dec 13, 2012 · Amount on File
Deed Document Number	20210025441
Deed Book / Page	1349 / 574
Record Updated	Jun 8, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERKELEY WV
Property Address	109 OBERLIN DR, FALLING WATERS, WV 25419-4677
Transaction Type	Mortgage
Record Updated	Nov 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	004074/319
Date	Nov 3, 2023
Book Page	4074/319
Instrument	20230030933

Lender

Name	HUD
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	336 Months
Due	Aug 1, 2051

July 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	BERKELEY WV
Recording Date	Jul 7, 2021
Property Address	109 OBERLIN DR, FALLING WATERS, WV 25419-4677
Document Number	1349/574
Book / Page	1349 / 574
Map Reference	PC 9 SL 118
Instrument Date	Jul 6, 2021
Instrument	20210025441
Transaction Type	Transfer
Record Updated	Jul 28, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,433.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 OBERLIN DR, FALLING WATERS, WV 25419-4677
Investor	Possibly a Property Investor

Mortgage

Document Number	0003735/15
Date	Jul 7, 2021
Book Page	3735/15
Instrument	20210025442

Lender

Name	INTEGRITY HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2051

Interest

Rate Type	Fixed Rate

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERKELEY WV
Property Address	109 OBERLIN DR, FALLING WATERS, WV 25419-4677
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3121/428
Date	Jan 6, 2017
Book Page	3121/428
Instrument	20170000353

Lender

Name	CITY NATIONAL BANK OF WEST VIRGINIA
Type	Bank
Address	CHARLESTON, WV 25313

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.69%
Adjustable	Adjustable Rate Rider
Type Change Date	Feb 1, 2022
Change Frequency	5 Years
Min Rate At Change	2.87%
Max Rate At Change	5.69%
Index	5-Year CMT
Max Rate	7.69%

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERKELEY WV
Property Address	109 OBERLIN DR, FALLING WATERS, WV 25419-4677
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3487/514
Date	Apr 20, 2020
Book Page	3487/514
Instrument	20200010598

Lender

Name	WELLS FARGO BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	May 1, 2040

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 109 Oberlin Dr was $2,245.

Source: Berkeley County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,245.00	$184,680 Land $39,600 Building $145,080	$307,800 Land $66,000 Building $241,800
2023	$2,315.00	$183,240 Land $32,340 Building $150,900	$305,400 Land $53,900 Building $251,500

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

Flood

FEMA maps place 109 Oberlin Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 7, 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 7 (15% 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

Wildfire risk around 109 Oberlin Dr 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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	BERKELEY COUNTY PSWD-POTOMAC RIVER serves 69,372 people · EPA ID WV3300218
Water Source	Surface water
Last State Inspection	Dec 2025
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	6 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 325 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Xfinity Cable	2,000 / 250

May also be available: Verizon.

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