175 Memory Ln, Berkeley Springs, WV 25411 Property Records

Morgan County property record for 175 Memory Ln, Berkeley Springs, WV 25411

Property Summary

Property Type	Rural Home
Details	2 bd · 2 ba · 1,698 sqft · built 1961
Lot Size	11.2 acres (488,308 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,033 (2025)
Deeds & Mortgages	Aug 2020 Refinance Jul 2020 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`02-10-0003.0000`

Property Details

APN / Parcel Number

Primary APN	`02-10-0003.0000`
Alternative APN	`33-02-10-0003.0000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,698 sqft Living Area
1st Floor Area	3,396 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Brick
Lot Area	488,308 sqft (11.2 acres)
Terrain	Rolling
Garage Type	Carport
Carport	Carport
Porch	Porch
Porch Area	92 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	175 MEMORY LN
City	BERKELEY SPRINGS
State	WV
Zip	25411-5650
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	BATH VALLEY 11.21 AC
Jurisdiction	MORGAN WV
Township / Civil Division	1
Census Block Group	2
Census Block	2001
Census Tract	971002

Owner

Source: Morgan County assessment roll, APN 02-10-0003.0000, as of November 18, 2025 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	175 MEMORY LN, BERKELEY SPRINGS, WV 25411-5650
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 17, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance CNB BANK
Jul 08, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance CNB BANK
Sep 20, 2022	Deed of Trust, Mortgage · Line of Credit CNB BANK
Aug 26, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Aug 26, 2021	Quit Claim Deed, Transfer · Stand-Alone Refinance QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	Jul 03, 2021
Transfer Doc	000283/113
Record Updated	Sep 20, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN WV
Property Address	175 MEMORY LN, BERKELEY SPRINGS, WV 25411-5650
Transaction Type	Mortgage
Record Updated	Nov 18, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000455/84
Date	Aug 17, 2020
Book Page	455/84
Instrument	869201

Lender

Name	CNB BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Sep 01, 2040

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN WV
Property Address	175 MEMORY LN, BERKELEY SPRINGS, WV 25411-5650
Transaction Type	Mortgage
Record Updated	Nov 18, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000453/513
Date	Jul 08, 2020
Book Page	453/513
Instrument	867841

Lender

Name	CNB BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Aug 01, 2040

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN WV
Property Address	175 MEMORY LN, BERKELEY SPRINGS, WV 25411-5650
Transaction Type	Mortgage
Record Updated	Nov 18, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000491/64
Date	Sep 20, 2022
Book Page	491/64
Instrument	888863

Lender

Name	CNB BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Oct 01, 2042

Interest

Rate Type	Adjustable Rate

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN WV
Property Address	175 MEMORY LN, BERKELEY SPRINGS, WV 25411-5650
Transaction Type	Mortgage
Record Updated	Oct 05, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000473/101
Date	Aug 26, 2021
Book Page	473/101
Instrument	879894

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Sep 01, 2041

August 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MORGAN WV
Recording Date	Aug 26, 2021
Property Address	175 MEMORY LN, BERKELEY SPRINGS, WV 25411-5650
Document Number	000283/113
Book / Page	283 / 113
Instrument Date	Jul 03, 2021
Instrument	879893
Transaction Type	Transfer
Record Updated	Nov 18, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	175 MEMORY LN, BERKELEY SPRINGS, WV 25411-5650

Mortgage

Document Number	0000879894
Date	Aug 26, 2021
Instrument	879894

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Sep 01, 2041

Tax Assessment & Valuation

Source: Morgan County assessment roll as of November 18, 2025 · Last verified August 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,033.00 (+18.06%) Homeowner's exemption Disabled Person's exemption	$123,920 (+15.3%) Land $29,300 Building $94,620	$206,500 (+15.3%) Land $48,800 Building $157,700
2023	$875.00 (-10.16%) Homeowner's exemption Disabled Person's exemption	$107,480 (-8.43%) Land $26,900 Building $80,580	$179,100 (-8.44%) Land $44,800 Building $134,300
2022	$974.00 Homeowner's exemption Disabled Person's exemption	$117,380 Land $37,760 Building $79,620	$195,600 Land $62,900 Building $132,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Morgan County (54065C), as of September 25, 2009 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 540659710022, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 79% of West Virginia
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, 59 locations within half a mile, as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Frontier, T-Mobile USA.

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