155 Tom Cobert Ln, Berkeley Springs, WV 25411 Property Records

Morgan County property record for 155 Tom Cobert Ln, Berkeley Springs, WV 25411

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,344 sqft · built 2004
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on File
Last Sale	$174,000 (Sep 2018)
Tax Bill	$1,046 (2026)
Deeds & Mortgages	Jun 2020 Refinance Sep 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-14-0041.0000`

Property Details

APN / Parcel Number

Primary APN	`01-14-0041.0000`
Alternative APN	`33-01-14-0041.0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,344 sqft Living Area
1st Floor Area	2,688 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	87,120 sqft (2 acres)
Terrain	Rolling

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	155 TOM COBERT LN
City	BERKELEY SPRINGS
State	WV
Zip	25411-6233
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S OF RIDERSVILLE LOT 3 2.00 AC
Legal Lot Number	3
Jurisdiction	MORGAN WV
Township / Civil Division	3
Census Block Group	1
Census Block	1005
Census Tract	970701

Owner

155 Tom Cobert Ln is owned and occupied by two individuals who bought it in September 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	155 TOM COBERT LN, BERKELEY SPRINGS, WV 25411-6233
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
Jun 22, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance NAVY FCU
Sep 6, 2018	Deed, Transfer QUICKEN LOAN INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 6, 2018 · Amount on File
Deed Sale	Sep 6, 2018 · Amount on File
Deed Document Number	2018849560
Deed Book / Page	267 / 713
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN WV
Property Address	155 TOM COBERT LN, BERKELEY SPRINGS, WV 25411-6233
Transaction Type	Mortgage
Record Updated	Nov 18, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000452/519
Date	Jun 22, 2020
Book Page	452/519
Instrument	867221

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	121 Months
Due	Jul 1, 2030

September 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	MORGAN WV
Recording Date	Sep 6, 2018
Property Address	155 TOM COBERT LN, BERKELEY SPRINGS, WV 25411-6233
Document Number	000267/713
Book / Page	267 / 713
Instrument Date	Aug 31, 2018
Instrument	000000849560
Transaction Type	Transfer
Record Updated	Nov 18, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000433/0000000275
Date	Sep 6, 2018
Book Page	0000000433/0000000275
Instrument	000000849561

Lender

Name	QUICKEN LOAN INC
Type	Lending Institution

Agreement

Amount	Amount on Record
Term	172 Months
Due	Jan 1, 2033

Tax Assessment & Valuation

The 2026 property tax bill for 155 Tom Cobert Ln was $1,046 with a homeowner's exemption, up 5.5% from the year before.

Source: Morgan County assessment roll, as of November 18, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,046.00 (+5.55%)	$125,460 (+4.76%) Land $24,900 Building $100,560	$209,100 (+4.76%) Land $41,500 Building $167,600
2025	$991.00 Homeowner's exemption	$119,760 Land $24,900 Building $94,860	$199,600 Land $41,500 Building $158,100
2023	$921.00 (+1.21%) Homeowner's exemption	$112,080 (+0.97%) Land $22,860 Building $89,220	$186,800 (+0.97%) Land $38,100 Building $148,700
2022	$910.00 Homeowner's exemption	$111,000 Land $22,860 Building $88,140	$185,000 Land $38,100 Building $146,900

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

Flood

FEMA maps place 155 Tom Cobert Ln in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 25, 2009 · 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 9 (5% premium discount)
Nearby Flood Policies	4 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 155 Tom Cobert Ln 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 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

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