1246 Terrapin Neck Rd, Shepherdstown, WV 25443 Property Records

Jefferson County property record for 1246 Terrapin Neck Rd, Shepherdstown, WV 25443

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,036 sqft · built 1992
Lot Size	5.23 acres (227,819 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,892 (2026)
Deeds & Mortgages	Aug 2023 Line of Credit Jul 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-1-0001.0002`

Property Details

APN / Parcel Number

Primary APN	`09-1-0001.0002`
Alternative APN	`19-09-1-0001.0002`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	1 Story
Building Area	3,036 sqft Living Area
1st Floor Area	2,752 sqft
Basement Area	1,000 sqft
Finished Basement	1,000 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Conventional
Exterior Material	Brick Veneer
Construction Type	Frame
Lot Area	227,819 sqft (5.23 acres)
Terrain	Rolling

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1246 TERRAPIN NECK RD
City	SHEPHERDSTOWN
State	WV
Zip	25443-4425
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 2 (5.23 AC) TERRAPIN NECK HENDRIX
Legal Lot Number	2
Jurisdiction	JEFFERSON WV
Township / Civil Division	SHEPHERDSTOWN
Census Block Group	3
Census Block	3000
Census Tract	972201

Owner

1246 Terrapin Neck Rd is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	1246 TERRAPIN NECK RD, SHEPHERDSTOWN, WV 25443-4425
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
Aug 30, 2023	Deed of Trust, Mortgage · Line of Credit RALSTON PHILLIP SCOTT
Jul 22, 2022	Intrafamily Transfer, Transfer
Jul 11, 2018	Deed of Trust, Mortgage · Line of Credit JEFFERSON SECURITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON WV
Property Address	1246 TERRAPIN NECK RD, SHEPHERDSTOWN, WV 25443-4425
Transaction Type	Mortgage
Record Updated	Sep 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002518/366
Date	Aug 30, 2023
Book Page	2518/366
Instrument	202300009932

Lender

Name	RALSTON PHILLIP SCOTT
Type	Private Party
Address	PO BOX 3239, SHEPHERDSTOWN, WV 25443

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	29 Months
Due	Jan 30, 2026

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	JEFFERSON WV
Recording Date	Jul 22, 2022
Property Address	1246 TERRAPIN NECK RD, SHEPHERDSTOWN, WV 25443-4425
Document Number	001285/278
Book / Page	1285 / 278
Map Reference	MB 26 PG 414
Instrument Date	Jul 14, 2022
Instrument	202200010471
Transaction Type	Transfer
Record Updated	Aug 5, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON WV
Property Address	1246 TERRAPIN NECK RD, SHEPHERDSTOWN, WV 25443-4425
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008016
Date	Jul 11, 2018
Book Page	2190/576
Instrument	201800008016

Lender

Name	JEFFERSON SECURITY BANK
Type	Bank
Address	MARTINSBURG, WV 25402

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jul 5, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2026 property tax bill for 1246 Terrapin Neck Rd was $2,892 with a homeowner's exemption, down 0.7% from the year before.

Source: Jefferson County assessment roll, as of November 14, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,892.00 (-0.72%)	$270,800 (+0.04%) Land $136,500 Building $134,300	$451,333 (+0.01%) Land $227,500 Building $223,833
2025	$2,913.00 Homeowner's exemption	$270,700 Land $136,400 Building $134,300	$451,300 Land $227,400 Building $223,900
2023	$3,205.00 Homeowner's exemption	$294,400 Land $170,800 Building $123,600	$490,700 Land $284,700 Building $206,000

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

Flood

FEMA maps place 1246 Terrapin Neck Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 23, 2024 · 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

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 1246 Terrapin Neck Rd 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	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 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Frontier DSL	10 / 1

May also be available: Antietam Cable.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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