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  5. Upper Ridge Rd

137 Upper Ridge Rd, Shepherdstown, WV 25443 Property Records

Jefferson County property record for 137 Upper Ridge Rd, Shepherdstown, WV 25443

Property Summary

Property TypeSingle Family Home
Details3 bd · 3.5 ba · 2,317 sqft · built 2023
Lot Size10.5 acres (458,687 sqft)
Owner2 Individual Names on File
Last Sale$695,399 (Dec 2023)
Tax Bill$4,194 (2026)
Deeds & MortgagesFeb 2026 Mortgage
Dec 2023 Sale & Mortgage
APN09-9-0022.0002

Property Details

APN / Parcel Number

Primary APN09-9-0022.0002
Alternative APN
  • 19-09-9-0022.0002

Interior

Bedrooms3 Beds
Full Baths3.5 Baths
Half Baths1 Half Bath
Plumbing Fixtures13 Plumbing Fixtures
Total Rooms7 Rooms
Stories1 Story
Building Area2,317 sqft Living Area
1st Floor Area4,790 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2023
Effective Year BuiltEffective 2023
Architectural StyleConventional
Exterior MaterialAluminum/Vinyl
Lot Area458,687 sqft (10.5 acres)
TerrainRolling

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
Heating FuelElectric

Location & Zoning

Street Address137 UPPER RIDGE RD
CitySHEPHERDSTOWN
StateWV
Zip25443-3800
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLT 2B (10.53AC) LUTMAN-TROUGH
Legal SubdivisionLUTMAN TROUGH ROAD MINOR SUBDIVISION
Legal Lot Number2B
JurisdictionJEFFERSON WV
Township / Civil DivisionSHEPHERDSTOWN
Census Block Group1
Census Block1015
Census Tract972203

Owner

137 Upper Ridge Rd is owned and occupied by two individuals who bought it in December 2023.

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

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 Record2 Individual Names on File
Mailing Address137 UPPER RIDGE RD, SHEPHERDSTOWN, WV 25443-3800
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Feb 19, 2026Deed of Trust, Mortgage · Conventional Mortgage
INTEGRITY HOME MORTGAGE CORP
Dec 14, 2023Deed, Transfer · Conventional Mortgage
INTEGRITY HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleDec 14, 2023 · Amount on File
Deed SaleDec 14, 2023 · Amount on File
Deed Document Number202314166
Deed Book / Page1315 / 164
Record UpdatedOct 29, 2026

February 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionJEFFERSON WV
Property Address137 UPPER RIDGE RD, SHEPHERDSTOWN, WV 25443-3800
Transaction TypeMortgage
Record UpdatedMar 19, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address137 UPPER RIDGE RD, SHEPHERDSTOWN, WV 25443-3800

Mortgage

Document Number002664/241
DateFeb 19, 2026
Book Page2664/241
Instrument202600002291
Lender
NameINTEGRITY HOME MORTGAGE CORP
TypeMortgage Company
AddressWINCHESTER, VA 22602
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term181 Months
DueMar 1, 2041

December 2023: Deed, Transfer

Document TypeDeed
JurisdictionJEFFERSON WV
Recording DateDec 14, 2023
Property Address137 UPPER RIDGE RD, SHEPHERDSTOWN, WV 25443-3800
Document Number001315/164
Book / Page1315 / 164
Map ReferenceMB 26 PG 667
Instrument DateDec 11, 2023
Instrument202300014166
Transaction TypeTransfer
Record UpdatedNov 21, 2025

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,407.95
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address137 UPPER RIDGE ROAD, SHEPHERDSTOWN, WV 25443-3800

Mortgage

Document Number202300014167
DateDec 14, 2023
Instrument202300014167
Lender
NameINTEGRITY HOME MORTGAGE CORP
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term1 Months
DueJan 1, 2024

Tax Assessment & Valuation

The 2026 property tax bill for 137 Upper Ridge Rd was $4,194.

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

Property Jurisdictions

TypeName
StateWest Virginia
CountyJefferson County

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$4,194.00$363,700 Land $132,200 Building $231,500$606,167 Land $220,333 Building $385,833

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

Flood

There have been 10 flood claims near 137 Upper Ridge Rd since 1985.

Source: OpenFEMA NFIP redacted claims and policies, as of September 2026

Flood Insurance CostPremium on File
median of 13 policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies13 in force
Nearby Flood Claims10 (1985–2025)
Claims Outside the SFHA3 of 10
Most Recent ClaimMay 2025 · rainfall accumulation
Claims by Event
  • Hurricane Fran And Associated Heavy Rains,flooding Highwind, Sep 1996 · 3 claims
  • Flooding, Jan 1996 · 3 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.

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