181 Phyllis Pl, Berkeley Springs, WV 25411 Property Records

Morgan County property record for 181 Phyllis Pl, Berkeley Springs, WV 25411

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,065 sqft · built 2003
Lot Size	2.52 acres (109,771 sqft)
Owner	Individual Name on File
Last Sale	$362,000 (Dec 2021)
Tax Bill	$2,526 (2026)
Deeds & Mortgages	Aug 2020 Mortgage Dec 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`01-13-0081.0001`

Property Details

APN / Parcel Number

Primary APN	`01-13-0081.0001`
Alternative APN	`33-01-13-0081.0001`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	3,065 sqft Living Area
1st Floor Area	3,606 sqft
Basement Area	1,262 sqft
Finished Basement	1,262 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	109,771 sqft (2.52 acres)
Terrain	Rolling

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	181 PHYLLIS PL
City	BERKELEY SPRINGS
State	WV
Zip	25411-6076
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S E RIDERSVILLE LOT D-31 & PCL A 2.52 AC
Legal Lot Number	D
Jurisdiction	MORGAN WV
Township / Civil Division	3
Census Block Group	1
Census Block	1005
Census Tract	970701

Owner

181 Phyllis Pl is owned and occupied by an individual who bought it in December 2021.

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

Owner of Record	Individual Name on File
Mailing Address	181 PHYLLIS PL, BERKELEY SPRINGS, WV 25411-6076
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 28, 2020	Deed of Trust, Mortgage · ARM CITY NATIONAL BANK
Dec 2, 2021	Deed, Transfer · Stand-Alone First Mortgage INTEGRITY HOME MORTGAGE CORP
Aug 28, 2020	Deed, Transfer
Apr 28, 2020	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 2, 2021 · Amount on File
Deed Sale	Dec 2, 2021 · Amount on File
Deed Document Number	2021882689
Deed Book / Page	284 / 400
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN WV
Property Address	181 PHYLLIS PL, BERKELEY SPRINGS, WV 25411-6076
Transaction Type	Mortgage
Record Updated	Nov 18, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000455/486
Date	Aug 28, 2020
Book Page	455/486
Instrument	869627

Lender

Name	CITY NATIONAL BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.3%
Type Change Date	Sep 1, 2023
Index	3-Year CMT

December 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	MORGAN WV
Recording Date	Dec 2, 2021
Property Address	181 PHYLLIS PL, BERKELEY SPRINGS, WV 25411-6076
Document Number	000284/400
Book / Page	284 / 400
Instrument Date	Nov 29, 2021
Instrument	882689
Transaction Type	Transfer
Record Updated	Nov 18, 2025

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
Address	181 PHYLLIS PL, BERKELEY SPRINGS, WV 25411-6076

Mortgage

Document Number	0000882690
Date	Dec 2, 2021
Instrument	882690

Lender

Name	INTEGRITY HOME MORTGAGE CORP

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2037

August 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	MORGAN WV
Recording Date	Aug 28, 2020
Property Address	181 PHYLLIS PL, BERKELEY SPRINGS, WV 25411-6076
Document Number	000277/276
Book / Page	277 / 276
Instrument Date	Aug 7, 2020
Instrument	869626
Transaction Type	Transfer
Record Updated	Nov 18, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	181 PHYLLIS PL, BERKELEY SPRINGS, WV 25411-6076

April 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	MORGAN WV
Recording Date	Apr 28, 2020
Property Address	181 PHYLLIS PL, BERKELEY SPRINGS, WV 25411-6076
Document Number	000275/372
Book / Page	275 / 372
Instrument Date	Apr 7, 2020
Instrument	866051
Transaction Type	Transfer
Record Updated	Nov 18, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	181 PHYLLIS PL, BERKELEY SPRINGS, WV 25411-6076
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2026 property tax bill for 181 Phyllis Pl was $2,526, up 7.4% 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	$2,526.00 (+7.35%)	$254,760 (+7.63%) Land $26,100 Building $228,660	$424,600 (+7.63%) Land $43,500 Building $381,100
2025	$2,353.00	$236,700 Land $26,100 Building $210,600	$394,500 Land $43,500 Building $351,000
2023	$2,129.00 (+22.64%)	$212,820 (+22.61%) Land $23,940 Building $188,880	$354,700 (+22.61%) Land $39,900 Building $314,800
2022	$1,736.00	$173,580 Land $26,280 Building $147,300	$289,300 Land $43,800 Building $245,500

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 181 Phyllis Pl 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	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.

Wildfire

Wildfire risk around 181 Phyllis Pl is low, with a 0.02% 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	0.02% annual chance
Exposure	Direct burnable vegetation

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 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Phyllis Pl

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures