Morgan County property record for 165 Harmison Ln, Berkeley Springs, WV 25411
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,752 sqft · built 1981 |
| Lot Size | 2.04 acres (88,862 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $819 (2025) |
| Deeds & Mortgages | Dec 2025 Line of Credit Oct 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-11-0070.0000 |
| Primary APN | 01-11-0070.0000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,752 sqft Living Area |
| 1st Floor Area | 2,712 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 1981 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 88,862 sqft (2.04 acres) |
| Terrain | Rolling |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 216 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 165 HARMISON LN |
|---|---|
| City | BERKELEY SPRINGS |
| State | WV |
| Zip | 25411-5126 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | L & N S/D SEC B LOT 9 2.04 AC |
| Legal Subdivision | PLAT OF L&N SUBDIVISION |
| Legal Lot Number | 9 |
| Jurisdiction | MORGAN WV |
| Township / Civil Division | 3 |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 970701 |
Source: Morgan County records, as of November 18, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 165 HARMISON LN, BERKELEY SPRINGS, WV 25411-5126 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 22, 2025 | Deed of Trust, Mortgage · Line of Credit CNB BANK |
| Oct 31, 2017 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Feb 21, 2007 |
| Transfer Doc | 224/403 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MORGAN WV |
| Property Address | 165 HARMISON LN, BERKELEY SPRINGS, WV 25411-5126 |
| Transaction Type | Mortgage |
| Record Updated | Feb 10, 2026 |
| Name | Verified Name |
|---|
| Document Number | 000529/115 |
|---|---|
| Date | Dec 22, 2025 |
| Book Page | 529/115 |
| Instrument | 915807 |
| Name | CNB BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MORGAN WV |
| Property Address | 165 HARMISON LN, BERKELEY SPRINGS, WV 25411-5126 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2018 |
| Name | Verified Name |
|---|
| Document Number | , 840721 |
|---|---|
| Date | Oct 31, 2017 |
| Book Page | 424/878 |
| Instrument | 840721 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Nov 1, 2037 |
Source: Morgan County assessment roll, as of November 18, 2025
| Type | Name |
|---|---|
| State | West Virginia |
| County | Morgan County |
| Unified School District | Morgan County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $819.00 (+9.93%) | $82,380 (+10.55%) Land $21,120 Building $61,260 | $137,300 (+10.55%) Land $35,200 Building $102,100 |
| 2023 | $745.00 (+0.81%) | $74,520 (+0.89%) Land $19,380 Building $55,140 | $124,200 (+0.89%) Land $32,300 Building $91,900 |
| 2022 | $739.00 | $73,860 Land $19,380 Building $54,480 | $123,100 Land $32,300 Building $90,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 63% of the US · above 48% of West Virginia |
|---|---|
| Wildfire Likelihood | 0.04% 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 22 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Xfinity Cable | 1,200 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Verizon.
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