1495 Shirley Rd, Summit Point, WV 25446 Property Records

Jefferson County property record for 1495 Shirley Rd, Summit Point, WV 25446

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,960 sqft · built 2008
Lot Size	10.9 acres (478,724 sqft)
Owner	2 Individual Names on File
Last Sale	$535,000 (Feb 2024)
Tax Bill	$2,754 (2026)
Deeds & Mortgages	Jan 2026 Mortgage Feb 2024 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`06-15-0003.0041`

Property Details

APN / Parcel Number

Primary APN	`06-15-0003.0041`
Alternative APN	`19-06-15-0003.0041`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,960 sqft Living Area
1st Floor Area	4,408 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	478,724 sqft (10.9 acres)
Terrain	Rolling

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1495 SHIRLEY RD
City	SUMMIT POINT
State	WV
Zip	25446-3672
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	10.99 AC MONTE VIEW-STAGNER
Jurisdiction	JEFFERSON WV
Township / Civil Division	MIDDLEWAY
Census Block Group	4
Census Block	4007
Census Tract	972800

Owner

1495 Shirley Rd is owned and occupied by two individuals who bought it in February 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	1495 SHIRLEY RD, SUMMIT POINT, WV 25446-3672
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
Jan 23, 2026	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Feb 9, 2024	Deed, Transfer · VA Mortgage WATERSTONE MORTGAGE CORP
Jan 4, 2024	Deed of Trust, Mortgage · Commercial Mortgage JEFFERSON SECURITY BANK
Oct 17, 2023	Deed, Transfer
Feb 2, 2022	Deed of Trust, Mortgage · VA Mortgage RUSHMORE LOAN MANAGEMENT SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 9, 2024 · Amount on File
Deed Sale	Feb 9, 2024 · Amount on File
Prior Sale	Oct 17, 2023 · Amount on File
Deed Document Number	20241484
Deed Book / Page	1317 / 423
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON WV
Property Address	1495 SHIRLEY RD, SUMMIT POINT, WV 25446-3672
Transaction Type	Mortgage
Record Updated	Feb 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1495 SHIRLEY RD, SUMMIT POINT, WV 25446-3672

Mortgage

Document Number	002659/563
Date	Jan 23, 2026
Book Page	2659/563
Instrument	202600001038

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2056

February 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	JEFFERSON WV
Recording Date	Feb 9, 2024
Property Address	1495 SHIRLEY RD, SUMMIT POINT, WV 25446-3672
Document Number	001317/423
Book / Page	1317 / 423
Map Reference	MB 1038 PG 228
Instrument Date	Feb 7, 2024
Instrument	202400001484
Transaction Type	Transfer
Record Updated	Feb 23, 2024

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,621.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1495 SHIRLEY RD, SUMMIT POINT, WV 25446-3672

Mortgage

Document Number	002538/285
Date	Feb 9, 2024
Book Page	2538/285
Instrument	202400001485

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company
Address	PEWAUKEE, WI 53072

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2054

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON WV
Property Address	1495 SHIRLEY RD, SUMMIT POINT, WV 25446-3672
Transaction Type	Mortgage
Record Updated	Jan 22, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	191 DUCHESS WAY, MARTINSBURG, WV 25403-1993

Mortgage

Document Number	002534/691
Date	Jan 4, 2024
Book Page	2534/691
Instrument	202400000241

Lender

Name	JEFFERSON SECURITY BANK
Type	Bank
Address	MARTINSBURG, WV 25404

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

October 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	JEFFERSON WV
Recording Date	Oct 17, 2023
Property Address	1495 SHIRLEY RD, SUMMIT POINT, WV 25446-3672
Document Number	001311/212
Book / Page	1311 / 212
Instrument Date	Oct 16, 2023
Instrument	202300011874
Transaction Type	Transfer
Record Updated	Oct 31, 2023

Transaction

Amount	Amount on Record
Tax	$1,543.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	191 DUCHESS WAY, MARTINSBURG, WV 25403-1993

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON WV
Property Address	1495 SHIRLEY RD, SUMMIT POINT, WV 25446-3672
Transaction Type	Mortgage
Record Updated	Feb 16, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1495 SHIRLEY RD, SUMMIT POINT, WV 25446-3672

Mortgage

Document Number	002442/279
Date	Feb 2, 2022
Book Page	2442/279
Instrument	202200001359

Lender

Name	RUSHMORE LOAN MANAGEMENT SERVICES LLC
Type	Lending Institution
Address	DALLAS, TX 75234

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jan 1, 2052

Tax Assessment & Valuation

The 2026 property tax bill for 1495 Shirley Rd was $2,754, down 5.3% 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	$2,754.00 (-5.33%)	$238,800 (-4.63%) Land $45,100 Building $193,700	$398,000 (-4.65%) Land $75,167 Building $322,833
2025	$2,909.00	$250,400 Land $91,000 Building $159,400	$417,400 Land $151,700 Building $265,700
2023	$2,241.00	$191,900 Land $88,300 Building $103,600	$319,700 Land $147,100 Building $172,600

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

FEMA maps place 1495 Shirley 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	2 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 1495 Shirley Rd 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Starlink Satellite	280 / 30

May also be available: Xfinity.

Cell Coverage

5G (outdoors only) and 4G LTE

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