Berkeley County property record for 123 Headwaters Dr, Falling Waters, WV 25419
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,727 sqft · built 2018 |
| Lot Size | 0.55 acres (23,958 sqft) |
| Owner | Individual Name on File |
| Last Sale | $270,369 (Jul 2018) |
| Tax Bill | $1,752 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Dec 2019 Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-11H-0086.0000 |
| Primary APN | 02-11H-0086.0000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,727 sqft Living Area |
| 1st Floor Area | 1,727 sqft |
| Year Built | Built 2018 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 23,958 sqft (0.55 acres) |
| Terrain | Above Road/Slope |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 07242425 |
|---|---|
| Street Address | 123 HEADWATERS DR |
| City | FALLING WATERS |
| State | WV |
| Zip | 25419-1816 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | .55 AC LOT 57 SEC 10 PHZ 1 BROOKFIELD |
| Legal Subdivision | BROOKFIELD SUB PH 2 SEC 10 |
| Legal Lot Number | 57 |
| Jurisdiction | BERKELEY WV |
| Township / Civil Division | POTOMAC |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 971101 |
123 Headwaters Dr is owned and occupied by an individual who bought it in July 2018.
Source: Berkeley County records, as of November 14, 2025
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 | Individual Name on File |
|---|---|
| Mailing Address | 123 HEADQUARTERS DR, FALLING WATERS, WV 25419 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 8, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC UNION BANK |
| Dec 17, 2019 | Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC UNION BANK |
| Feb 23, 2026 | Deed, Transfer · Conventional Mortgage POTOMAC BANK INC |
| Mar 8, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC UNION BANK |
| Jul 3, 2018 | Deed of Trust, Mortgage · Conventional Mortgage ACCESS NATIONAL MORTGAGE |
| Dec 17, 2019 | Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC UNION BANK |
| Jul 3, 2018 | Deed, Subdivision Related Transfer · Conventional Mortgage ACCESS NATIONAL MORTGAGE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 3, 2018 · Amount on File |
| Deed Sale | Jul 3, 2018 · Amount on File |
| Deed Document Number | 20180024885 |
| Deed Book / Page | 1216 / 365 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERKELEY WV |
| Property Address | 123 HEADWATERS DR, FALLING WATERS, WV 25419-1816 |
| Transaction Type | Mortgage |
| Record Updated | Jun 30, 2026 |
| Name | Verified Name |
|---|
| Document Number | 003659/458 |
|---|---|
| Date | Mar 8, 2021 |
| Book Page | 3659/458 |
| Instrument | 20210008465 |
| Name | ATLANTIC UNION BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERKELEY WV |
| Property Address | 123 HEADWATERS DR, FALLING WATERS, WV 25419-1816 |
| Transaction Type | Mortgage |
| Record Updated | Jun 30, 2026 |
| Name | Verified Name |
|---|
| Document Number | 003444/471 |
|---|---|
| Date | Dec 17, 2019 |
| Book Page | 3444/471 |
| Instrument | 20190037977 |
| Name | ATLANTIC UNION BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 372 Months |
| Due | Jan 1, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | BERKELEY WV |
| Recording Date | Feb 23, 2026 |
| Property Address | 123 HEADWATERS DR, FALLING WATERS, WV 25419-1816 |
| Document Number | 001557/536 |
| Book / Page | 1557 / 536 |
| Map Reference | PC 17 SLS 194&195 |
| Instrument Date | Feb 16, 2026 |
| Instrument | 20260005381 |
| Transaction Type | Transfer |
| Record Updated | Jun 30, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,195.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 123 HEADWATERS DR, FALLING WATERS, WV 25419-1816 |
| Document Number | 20260005382 |
|---|---|
| Date | Feb 23, 2026 |
| Instrument | 20260005382 |
| Name | POTOMAC BANK INC |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Mar 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERKELEY WV |
| Property Address | 123 HEADWATERS DR, FALLING WATERS, WV 25419-1816 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2021 |
| Name | Verified Name |
|---|
| Document Number | 3659/458 |
|---|---|
| Date | Mar 8, 2021 |
| Book Page | 3659/458 |
| Instrument | 20210008465 |
| Name | ATLANTIC UNION BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERKELEY WV |
| Property Address | 123 HEADWATERS DR, FALLING WATERS, WV 25419-1816 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 3277/125 |
|---|---|
| Date | Jul 3, 2018 |
| Book Page | 3277/125 |
| Instrument | 20180024887 |
| Name | ACCESS NATIONAL MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | RESTON, VA 20191 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERKELEY WV |
| Property Address | 123 HEADWATERS DR, FALLING WATERS, WV 25419-1816 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 3444/471 |
|---|---|
| Date | Dec 17, 2019 |
| Book Page | 3444/471 |
| Instrument | 20190037977 |
| Name | ATLANTIC UNION BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 372 Months |
| Due | Jan 1, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | BERKELEY WV |
| Recording Date | Jul 3, 2018 |
| Property Address | 123 HEADWATERS DR, FALLING WATERS, WV 25419-1816 |
| Document Number | 001216/365 |
| Book / Page | 1216 / 365 |
| Map Reference | CAB 17 SL 194 |
| Instrument Date | Jun 29, 2018 |
| Instrument | 20180024885 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jun 30, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,487.75 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 123 HEADQUARTERS DR, FALLING WATERS, WV 25419 |
| Document Number | 003277/125 |
|---|---|
| Date | Jul 3, 2018 |
| Book Page | 3277/125 |
| Instrument | 20180024887 |
| Name | ACCESS NATIONAL MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | RESTON, VA 20191 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2048 |
The 2025 property tax bill for 123 Headwaters Dr was $1,752 with a homeowner's exemption.
Source: Berkeley County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | West Virginia |
| County | Berkeley County |
| Unified School District | Berkeley County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,752.00 Homeowner's exemption | $164,160 Land $50,520 Building $113,640 | $273,600 Land $84,200 Building $189,400 |
| 2023 | $1,746.00 Homeowner's exemption | $158,220 Land $43,620 Building $114,600 | $263,700 Land $72,700 Building $191,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 123 Headwaters Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 18 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 18 in force |
| Nearby Flood Claims | 3 (1996–2025) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Nov 2025 · 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 123 Headwaters Dr is low, with a 0.02% 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 | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 117 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 |
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