109 Springbrook Dr, Berkeley Springs, WV 25411 Property Records

Morgan County property record for 109 Springbrook Dr, Berkeley Springs, WV 25411

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,144 sqft · built 1994
Lot Size	3.69 acres (160,736 sqft)
Owner	Individual Name on Record
Last Sale	$290,000 (Nov 2021)
Tax Bill	$836 (2026)
Deeds & Mortgages	Mar 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-8-0009.0004`

Property Details

APN / Parcel Number

Primary APN	`02-8-0009.0004`
Alternative APN	`33-02-8-0009.0004`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,144 sqft Living Area
1st Floor Area	1,712 sqft
Basement Area	200 sqft
Finished Basement	200 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Conventional
Construction Type	Frame
Lot Area	160,736 sqft (3.69 acres)
Terrain	Rolling
Garage Type	Basement
Parking Spaces	1 Parking Space
Patio Area	192 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	109 SPRINGBROOK DR
City	BERKELEY SPRINGS
State	WV
Zip	25411-3681
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING BROOK ESTATES S/D SEC 1 LOT 4 3.69 AC
Legal Subdivision	SPRING BROOK ESTATES S/D
Legal Lot Number	4
Jurisdiction	MORGAN WV
Township / Civil Division	1
Census Block Group	2
Census Block	2031
Census Tract	970800

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	19022 STEDWICK DR, MONTGOMERY VILLAGE, MD 20886-3958
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 23, 2021 · Amount on Record
Deed Sale	Nov 23, 2021 · Amount on Record
Deed Document Number	2021882462
Deed Book / Page	284 / 291
Prior Transfer Date	Oct 22, 2021
Prior Transfer Doc	0000882462
Record Updated	Oct 29, 2026

March 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	MORGAN WV
Recording Date	Mar 11, 2021
Property Address	109 SPRINGBROOK DR, BERKELEY SPRINGS, WV 25411-3681
Document Number	000279/923
Book / Page	279 / 923
Instrument Date	Mar 6, 2021
Instrument	875075
Transaction Type	Transfer
Record Updated	Nov 18, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
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	12827 LOCBURY CIR APT B, B, GERMANTOWN, MD 20874-3855

Mortgage

Document Number	000464/684
Date	Mar 11, 2021
Book Page	464/684
Instrument	875076

Lender

Name	C&F MORTGAGE CORP

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

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	$836.00 (+5.82%)	$84,360 (+6.11%) Land $22,980 Building $61,380	$140,600 (+6.11%) Land $38,300 Building $102,300
2025	$790.00 (-1.5%)	$79,500 (-0.9%) Land $22,980 Building $56,520	$132,500 (-0.9%) Land $38,300 Building $94,200
2023	$802.00 (+0.88%)	$80,220 (+0.91%) Land $21,120 Building $59,100	$133,700 (+0.91%) Land $35,200 Building $98,500
2022	$795.00	$79,500 Land $21,120 Building $58,380	$132,500 Land $35,200 Building $97,300

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
Flood Insurance Cost	Premium on Record median of 16 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	32 (1985–2018)
Claims Outside the SFHA	5 of 32
Most Recent Claim	Aug 2018 · river or lake flooding
Claims by Event	Severe Storms, Flooding, Landslides, And Mudslides, Jun 2018 · 3 claims Hurricane Fran And Associated Heavy Rains,flooding Highwind, Sep 1996 · 4 claims Flooding, Jan 1996 · 7 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 66% of the US · above 43% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 32 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Xfinity Cable · Fiber in parts of the area	1,200 / 35
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

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