Jefferson County property record for 165 River Rd, Shepherdstown, WV 25443
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,341 sqft · built 2019 |
| Lot Size | 10 acres (435,600 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $3,962 (2026) |
| Deeds & Mortgages | Nov 2025 Second Mortgage Apr 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-11-0013.0004 |
| Primary APN | 09-11-0013.0004 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,341 sqft Living Area |
| 1st Floor Area | 4,682 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 435,600 sqft (10 acres) |
| Terrain | Rolling |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 165 RIVER RD |
|---|---|
| City | SHEPHERDSTOWN |
| State | WV |
| Zip | 25443-5149 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 4 (10 AC) LUTMAN-KNOTT |
| Legal Lot Number | 4 |
| Jurisdiction | JEFFERSON WV |
| Township / Civil Division | SHEPHERDSTOWN |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 972203 |
Source: Jefferson County records, as of October 20, 2026
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 | 161 RIVER RD, SHEPHERDSTOWN, WV 25443-5149 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 14, 2025 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU |
| Apr 1, 2020 | Deed of Trust, Mortgage · FHA Mortgage SWBC MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JEFFERSON WV |
| Property Address | 165 RIVER RD, SHEPHERDSTOWN, WV 25443-5149 |
| Transaction Type | Mortgage |
| Record Updated | Dec 4, 2025 |
| Title Company | SERVICE TITLE, SERVICELINK TITLE |
| Name | Verified Name |
|---|---|
| Address | 68 SHALLOW CREEK DR, RANSON, WV 25438-4021 |
| Document Number | 002646/251 |
|---|---|
| Date | Nov 14, 2025 |
| Book Page | 2646/251 |
| Instrument | 202500014885 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Nov 1, 2045 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JEFFERSON WV |
| Property Address | 165 RIVER RD, SHEPHERDSTOWN, WV 25443-5149 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | ADVANTAGE TITLE COMPANY LLC |
| Name | Verified Name |
|---|
| Document Number | 0000003878 |
|---|---|
| Date | Apr 1, 2020 |
| Book Page | 2274/1 |
| Instrument | 202000003878 |
| Name | SWBC MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | SAN ANTONIO, TX 78216 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2050 |
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 | $3,962.00 (+1.8%) | $343,600 (+2.57%) Land $143,400 Building $200,200 | $572,667 (+2.55%) Land $239,000 Building $333,667 |
| 2025 | $3,892.00 (+4.01%) | $335,000 (+4.56%) Land $132,700 Building $202,300 | $558,400 (+4.57%) Land $221,200 Building $337,200 |
| 2023 | $3,742.00 | $320,400 Land $132,700 Building $187,700 | $534,000 Land $221,200 Building $312,800 |
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 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 |
| Flood Insurance Cost | Premium on Record median of 13 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 13 in force |
| Nearby Flood Claims | 10 (1985–2025) |
| Claims Outside the SFHA | 3 of 10 |
| Most Recent Claim | May 2025 · rainfall accumulation |
| 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.
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 | 0.01% 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 4 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
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