174 Jacoby Ln, Berkeley Springs, WV 25411 Property Records

Morgan County property record for 174 Jacoby Ln, Berkeley Springs, WV 25411

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,288 sqft · built 1990
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on File
Last Sale	$304,000 (Jan 2023)
Tax Bill	$3,674 (2026)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Jan 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-8-0013.0001`

Property Details

APN / Parcel Number

Primary APN	`06-8-0013.0001`
Alternative APN	`33-06-8-0013.0001`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,288 sqft Living Area
1st Floor Area	1,716 sqft
Basement Area	572 sqft
Finished Basement	572 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Modern
Construction Type	Frame
Foundation Type	Raised
Lot Area	87,120 sqft (2 acres)
Terrain	Rolling
Garage Area	768 sqft
Patio Area	392 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	174 JACOBY LN
City	BERKELEY SPRINGS
State	WV
Zip	25411-6108
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	STONEY ACRES S/D PCL B 2.00 AC
Legal Subdivision	STONEY ACRES S/D
Jurisdiction	MORGAN WV
Township / Civil Division	2
Census Block Group	2
Census Block	2008
Census Tract	971002

Owner

174 Jacoby Ln is owned by two individuals who bought it in January 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	2413 CREST RD, BALTIMORE, MD 21209-4233
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
Aug 25, 2022	Personal Representative Deed, Transfer · Stand-Alone First Mortgage JEFFREY JARDINE
Jan 13, 2023	Deed, Transfer · ARM CNB BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 13, 2023 · Amount on File
Deed Sale	Jan 13, 2023 · Amount on File
Prior Sale	Oct 14, 2022 · Amount on File
Deed Document Number	2023891245
Deed Book / Page	289 / 908
Record Updated	Oct 29, 2026

August 2022: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	MORGAN WV
Recording Date	Aug 25, 2022
Property Address	174 JACOBY LN, BERKELEY SPRINGS, WV 25411-6108
Document Number	000288/210
Book / Page	288 / 210
Instrument Date	Aug 15, 2022
Instrument	888216
Transaction Type	Transfer
Record Updated	Jan 19, 2026

Transaction

Amount	Amount 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
Address	6433 MARTINSBURG PIKE, SHEPHERDSTOWN, WV 25443-4658
Investor	Possibly a Property Investor

Mortgage

Document Number	0000888217
Date	Aug 25, 2022
Instrument	888217

Lender

Name	JEFFREY JARDINE

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

January 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	MORGAN WV
Recording Date	Jan 13, 2023
Property Address	174 JACOBY LN, BERKELEY SPRINGS, WV 25411-6108
Document Number	000289/908
Book / Page	289 / 908
Instrument Date	Jan 13, 2022
Instrument	891245
Transaction Type	Transfer
Record Updated	Jan 19, 2026

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
Relationship	Joint Tenants with Right of Survivorship
Address	2413 CREST RD, BALTIMORE, MD 21209-4233
Investor	Possibly a Property Investor

Mortgage

Document Number	000494/605
Date	Jan 13, 2023
Book Page	494/605
Instrument	891246

Lender

Name	CNB BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.4%
Type Change Date	Feb 1, 2030
Index	Other

Tax Assessment & Valuation

The 2026 property tax bill for 174 Jacoby Ln was $3,674, down 2.8% 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	$3,674.00 (-2.8%)	$185,280 (-2.56%) Land $19,920 Building $165,360	$308,800 (-2.56%) Land $33,200 Building $275,600
2025	$3,780.00	$190,140 Land $19,920 Building $170,220	$316,900 Land $33,200 Building $283,700
2023	$1,254.00 (+1.05%)	$125,340 (+1.02%) Land $18,300 Building $107,040	$208,900 (+1.02%) Land $30,500 Building $178,400
2022	$1,241.00	$124,080 Land $18,300 Building $105,780	$206,800 Land $30,500 Building $176,300

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 174 Jacoby 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	6 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 174 Jacoby Ln is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 64% of the US · above 46% of West Virginia
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 30 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

May also be available: Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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