Jefferson County property record for 1792 Terrapin Neck Rd, Shepherdstown, WV 25443
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 3,320 sqft · built 2003 |
| Lot Size | 2.13 acres (92,783 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,787 (2026) |
| Deeds & Mortgages | Feb 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-1-0004.0003 |
| Primary APN | 09-1-0004.0003 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 3,320 sqft Living Area |
| 1st Floor Area | 2,369 sqft |
| Basement Area | 250 sqft |
| Finished Basement | 250 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 92,783 sqft (2.13 acres) |
| Terrain | Rolling |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 1792 TERRAPIN NECK RD |
|---|---|
| City | SHEPHERDSTOWN |
| State | WV |
| Zip | 25443-4131 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 2.13 AC JEX, NECK LAND |
| Legal Subdivision | CHARLES K SAGER |
| Jurisdiction | JEFFERSON WV |
| Township / Civil Division | SHEPHERDSTOWN |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 972201 |
1792 Terrapin Neck Rd is owned and occupied by two individuals.
Source: Jefferson County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1792 TERRAPIN NECK RD, SHEPHERDSTOWN, WV 25443-4131 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JEFFERSON WV |
| Property Address | 1792 TERRAPIN NECK RD, SHEPHERDSTOWN, WV 25443-4131 |
| Transaction Type | Mortgage |
| Record Updated | Feb 26, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Address | 1792 TERRAPIN NECK RD, SHEPHERDSTOWN, WV 25443-4131 |
| Document Number | 0000002586 |
|---|---|
| Date | Feb 10, 2021 |
| Book Page | 2348/727 |
| Instrument | 202100002586 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Jan 1, 2051 |
The 2026 property tax bill for 1792 Terrapin Neck Rd was $3,787, down 1.1% from the year before.
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 | $3,787.00 (-1.07%) | $328,400 (-0.33%) Land $103,400 Building $225,000 | $547,333 (-0.34%) Land $172,333 Building $375,000 |
| 2025 | $3,828.00 | $329,500 Land $103,500 Building $226,000 | $549,200 Land $172,500 Building $376,700 |
| 2023 | $3,633.00 | $311,100 Land $103,500 Building $207,600 | $518,500 Land $172,500 Building $346,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1792 Terrapin Neck Rd in Zone X, an area of minimal flood risk.
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 |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 3 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 risk around 1792 Terrapin Neck Rd is low, with a 0.01% 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 | 0.01% 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 19 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Frontier DSL | 10 / 1 |
4G LTE (outdoors only), no 5G reported
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