11 Spearpoint Ln, Hedgesville, WV 25427 Property Records

Berkeley County property record for 11 Spearpoint Ln, Hedgesville, WV 25427

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,456 sqft · built 1997
Lot Size	1.19 acres (51,836 sqft)
Owner	Individual Name on Record
Last Sale	$570,000 (Oct 2025)
Tax Bill	$2,632 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Oct 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-19A-0010.0000`

Property Details

APN / Parcel Number

Primary APN	`04-19A-0010.0000`
Alternative APNs	`02-04-19A-0010.0000` `07216977`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Plumbing Fixtures	14 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,456 sqft Living Area
1st Floor Area	1,391 sqft
Basement Area	816 sqft
Finished Basement	816 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Architectural Style	Modern
Exterior Material	Aluminum/Vinyl
Lot Area	51,836 sqft (1.19 acres)
Terrain	Rolling
Garage Area	528 sqft
Porch	Porch
Porch Area	260 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	07216977
Street Address	11 SPEARPOINT LN
City	HEDGESVILLE
State	WV
Zip	25427-5576
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1.19 AC LOT 294 SEC 14B PHASE 1 THE WOODS SD
Legal Subdivision	THE WOODS SD
Legal Lot Number	294
Jurisdiction	BERKELEY WV
Township / Civil Division	VALLEY
Census Block Group	1
Census Block	1005
Census Tract	971204

Owner

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

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
Co-owner	Co-owner on Record
Mailing Address	11 SPEARPOINT LN, HEDGESVILLE, WV 25427-5576
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP
Oct 9, 2025	Deed, Transfer · Conventional Mortgage APPLE FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 9, 2025 · Amount on Record
Deed Sale	Oct 9, 2025 · Amount on Record
Deed Document Number	20250029827
Deed Book / Page	1542 / 209
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERKELEY WV
Property Address	11 SPEARPOINT LN, HEDGESVILLE, WV 25427-5576
Transaction Type	Mortgage
Record Updated	Oct 29, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003675/134
Date	Mar 30, 2021
Book Page	3675/134
Instrument	20210011670

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 1, 2036

Interest

Rate Type	Fixed Rate

October 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	BERKELEY WV
Recording Date	Oct 9, 2025
Property Address	11 SPEARPOINT LN, HEDGESVILLE, WV 25427-5576
Document Number	001542/209
Book / Page	1542 / 209
Map Reference	PC 6 SL 138
Instrument Date	Oct 8, 2025
Instrument	20250029827
Transaction Type	Transfer
Record Updated	Oct 29, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,389.00
Amount Accuracy	Rounded by County
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	11 SPEARPOINT LN, HEDGESVILLE, WV 25427-5576

Mortgage

Document Number	20250029828
Date	Oct 9, 2025
Instrument	20250029828

Lender

Name	APPLE FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2020
Change Frequency	5 Years
Min Rate At Change	3%
Max Rate At Change	7%
Index	5-Year CMT
Max Rate	10%

Tax Assessment & Valuation

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	$2,632.00 (+3.54%) Homeowner's exemption	$236,520 (+6.95%) Land $71,220 Building $165,300	$394,200 (+6.95%) Land $118,700 Building $275,500
2023	$2,542.00 Homeowner's exemption	$221,160 Land $55,980 Building $165,180	$368,600 Land $93,300 Building $275,300

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.

Flood

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	3 in force
Nearby Flood Claims	1 (2018)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2018 · other causes

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	Moderate above 40% of the US · above 55% of West Virginia
Wildfire Likelihood	0.04% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 118 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: Frontier.

Cell Coverage

5G (outdoors only) and 4G LTE

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