Jefferson County property record for 15 Rams Ct, Shepherdstown, WV 25443
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 4,854 sqft · built 2005 |
| Lot Size | 0.229 acres (9,975 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $445,815 (Apr 2005) |
| Tax Bill | $3,518 (2026) |
| Deeds & Mortgages | Oct 2017 Mortgage Aug 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-8C-0196.0000 |
| Primary APN | 09-8C-0196.0000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 4,854 sqft Living Area |
| 1st Floor Area | 3,250 sqft |
| Basement Area | 1,300 sqft |
| Finished Basement | 1,300 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 9,975 sqft (0.229 acres) |
| Lot Dimensions | 119 ft deep x 18.5 ft wide |
| Terrain | Rolling |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 15 RAMS CT |
|---|---|
| City | SHEPHERDSTOWN |
| State | WV |
| Zip | 25443-4340 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT #74 MADDEX FARM |
| Legal Subdivision | MADDEX FARM |
| Legal Lot Number | 74 |
| Jurisdiction | JEFFERSON WV |
| Township / Civil Division | SHEPHERDSTOWN |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 972201 |
15 Rams Ct is owned and occupied by two individuals who bought it in April 2005.
Source: Jefferson County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 15 RAMS CT, SHEPHERDSTOWN, WV 25443-4340 |
| 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.
| Date | Document |
|---|---|
| Oct 3, 2017 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Aug 16, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Mar 7, 2022 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 18, 2005 · Amount on File |
| Deed Sale | Apr 18, 2005 · Amount on File |
| Prior Sale | Jan 11, 2005 · Amount on File |
| Deed Document Number | 20059694 |
| Deed Book / Page | 1007 / 120 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JEFFERSON WV |
| Property Address | 15 RAMS CT, SHEPHERDSTOWN, WV 25443-4340 |
| Transaction Type | Mortgage |
| Record Updated | Sep 8, 2022 |
| Name | Verified Name |
|---|
| Document Number | 002158/566 |
|---|---|
| Date | Oct 3, 2017 |
| Book Page | 2158/566 |
| Instrument | 201700016741 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Oct 1, 2032 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JEFFERSON WV |
| Property Address | 15 RAMS CT, SHEPHERDSTOWN, WV 25443-4340 |
| Transaction Type | Mortgage |
| Record Updated | Sep 8, 2022 |
| Title Company | AMROCK LLC |
| Name | Verified Name |
|---|---|
| Address | 15 RAMS CT, SHEPHERDSTOWN, WV 25443-4340 |
| Document Number | 002401/319 |
|---|---|
| Date | Aug 16, 2021 |
| Book Page | 2401/319 |
| Instrument | 202100013701 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Aug 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JEFFERSON WV |
| Property Address | 15 RAMS CT, SHEPHERDSTOWN, WV 25443-4340 |
| Transaction Type | Mortgage |
| Record Updated | Sep 8, 2022 |
| Title Company | AMROCK LLC |
| Name | Verified Name |
|---|---|
| Address | 15 RAMS CT, SHEPHERDSTOWN, WV 25443-4340 |
| Document Number | 002448/726 |
|---|---|
| Date | Mar 7, 2022 |
| Book Page | 2448/726 |
| Instrument | 202200002822 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Mar 1, 2037 |
The 2026 property tax bill for 15 Rams Ct was $3,518 with a homeowner's exemption, up 1.1% from the year before.
Source: Jefferson County assessment roll, as of November 14, 2025
| Type | Name |
|---|---|
| State | West Virginia |
| County | Jefferson County |
| Unified School District | Jefferson County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,518.00 (+1.09%) | $325,100 (+1.75%) Land $57,500 Building $267,600 | $541,833 (+1.75%) Land $95,833 Building $446,000 |
| 2025 | $3,480.00 Homeowner's exemption | $319,500 Land $48,700 Building $270,800 | $532,500 Land $81,200 Building $451,300 |
| 2023 | $3,242.00 Homeowner's exemption | $297,600 Land $48,700 Building $248,900 | $496,000 Land $81,200 Building $414,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 15 Rams Ct in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1984.
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 | 1 in force |
| Nearby Flood Claims | 7 (1984–1996) |
| Claims Outside the SFHA | 6 of 7 |
| Most Recent Claim | Sep 1996 · Hurricane Fran And Associated Heavy Rains,flooding Highwind |
| Claims by Event |
|
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 15 Rams Ct 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 125 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
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