Jefferson County property record for 111 W German St, Shepherdstown, WV 25443
| Property Type | Mixed Use Commercial Office / Residential |
|---|---|
| Lot Size | 0.222 acres (9,670 sqft) |
| Owner | Company Name on File |
| Last Sale | $570,000 (Jan 2019) |
| Tax Bill | $12,275 (2026) |
| Deeds & Mortgages | Apr 2022 Line of Credit Jun 2020 Mortgage + 2 more |
| Flood Zone | Zone AO (high risk) |
| APN | 10-3A-0018.0000 |
| Primary APN | 10-3A-0018.0000 |
|---|---|
| Alternative APN |
|
| Units | 8 Units |
|---|
| Lot Area | 9,670 sqft (0.222 acres) |
|---|
| Sewer | Municipal |
|---|---|
| Water Source | Commercial |
| Street Address | 111 W GERMAN ST |
|---|---|
| City | SHEPHERDSTOWN |
| State | WV |
| Zip | 25443 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Mixed Use Commercial Office / Residential |
| Legal Description | PT LT #35 MAIN ST |
| Legal Subdivision | MAP OF SHEPHERDSTOWN |
| Legal Lot Number | 35 |
| Jurisdiction | JEFFERSON WV |
| Township / Civil Division | SHEPHERDSTOWN |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 972204 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Shepherdstown Historic District (Boundary Increase) listed 1987 · 176 contributing resources · NRIS 87001205 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
111 W German St, a commercial property, is owned by a company that bought it in January 2019.
Source: Jefferson County records, as of October 20, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | PO BOX 3266, SHEPHERDSTOWN, WV 25443-3266 |
| Owner Type | Company |
| Vesting | Company |
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 |
|---|---|
| Apr 1, 2022 | Deed of Trust, Mortgage · Line of Credit JEFFERSON SECURITY BANK |
| Jun 24, 2020 | Deed of Trust, Mortgage NATURAL CAPITAL INVESTMENT FUND INC NATURAL CAPITAL INVESTMENT FUND INC |
| Apr 18, 2019 | Deed of Trust, Mortgage · Line of Credit NATURAL CAPITAL INVESTMENT FUND INC |
| Jan 2, 2019 | Grant Deed, Transfer · Conventional with PMI BRANCH BK&TR |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 2, 2019 · Amount on File |
| Deed Sale | Jan 2, 2019 · Amount on File |
| Deed Document Number | 20192 |
| Deed Book / Page | 1217 / 224 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JEFFERSON WV |
| Property Address | 111 W GERMAN ST, SHEPHERDSTOWN, WV 25443 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1427 BEULAH RD, VIENNA, VA 22182-1413 |
| Document Number | 002453/548 |
|---|---|
| Date | Apr 1, 2022 |
| Book Page | 2453/548 |
| Instrument | 202200004168 |
| Name | JEFFERSON SECURITY BANK |
|---|---|
| Type | Bank |
| Address | SHEPHERDSTOWN, WV 25443 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JEFFERSON WV |
| Property Address | 111 W GERMAN ST, SHEPHERDSTOWN, WV 25443 |
| Document Number | 0000007889 |
| Instrument Date | Jun 24, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 17, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 107 E GERMAN ST SHEPHERDSTOWN WV 254433528, SHEPHERDSTOWN, WV 25443-3528 |
| Document Number | 0000007889 |
|---|---|
| Date | Jun 26, 2020 |
| Book Page | 002290/000446 |
| Instrument | 7889 |
| Name | NATURAL CAPITAL INVESTMENT FUND INC NATURAL CAPITAL INVESTMENT FUND INC |
|---|---|
| Type | Bank |
| Address | CHARLES TOWN, WV 25414 |
| Amount | Amount on Record |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JEFFERSON WV |
| Property Address | 111 W GERMAN ST, SHEPHERDSTOWN, WV 25443 |
| Document Number | 0000004246 |
| Instrument Date | Apr 18, 2019 |
| Transaction Type | Mortgage |
| Record Updated | May 8, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 107 E GERMAN ST SHEPHERDSTOWN WV 254433528, SHEPHERDSTOWN, WV 25443-3528 |
| Document Number | 0000004246 |
|---|---|
| Date | Apr 18, 2019 |
| Book Page | 002220/000517 |
| Instrument | 4246 |
| Name | NATURAL CAPITAL INVESTMENT FUND INC |
|---|---|
| Type | Bank |
| Address | SHEPHERDSTOWN, WV 25443 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | JEFFERSON WV |
| Recording Date | Jan 2, 2019 |
| Property Address | 111 W GERMAN ST, SHEPHERDSTOWN, WV 25443 |
| Document Number | 0000000002 |
| Book / Page | 001217 / 000224 |
| Instrument Date | Dec 27, 2018 |
| Instrument | 2 |
| Transaction Type | Transfer |
| Record Updated | Jan 29, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,762.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 111 E GERMAN ST SHEPHERDSTOWN WV 25443, SHEPHERDSTOWN, WV 25443 |
| Document Number | 3 |
|---|---|
| Date | Jan 2, 2019 |
| Book Page | 002210/000152 |
| Instrument | 3 |
| Name | BRANCH BK&TR |
|---|---|
| Type | Bank |
| Address | MARTINSBURG, WV 25401-3316 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 111 W German St was $12,275, up 7.1% from the year before.
Source: Jefferson County assessment roll, as of November 14, 2025
| Type | Name |
|---|---|
| State | West Virginia |
| County | Jefferson County |
| Municipality | Shepherdstown Town |
| Unified School District | Jefferson County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $12,275.00 (+7.09%) | $462,800 (+7.8%) Land $237,000 Building $225,800 | $771,333 (+7.82%) Land $395,000 Building $376,333 |
| 2025 | $11,462.00 | $429,300 Land $217,300 Building $212,000 | $715,400 Land $362,100 Building $353,300 |
| 2023 | $11,458.00 | $429,300 Land $217,300 Building $212,000 | $715,400 Land $362,100 Building $353,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 111 W German St in Zone AO, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective July 23, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AO high risk · sheet flow 1–3 ft |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 17 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 17 in force |
| Nearby Flood Claims | 4 (1984–2010) |
| Most Recent Claim | Feb 2010 · rainfall accumulation |
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 111 W German St 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CORPORATION OF SHEPHERDSTOWN serves 4,300 people · EPA ID WV3301933 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Dec 2024 |
| Lead | 2 ppb (2023–2025) action level 15 ppb |
Listed by EPA as a serious violator for missed monitoring and reporting.
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 306 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Glo Fiber Fiber | 8,000 / 8,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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