Morgan County property record for 182 Tom Cobert Ln, Berkeley Springs, WV 25411
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 2,716 sqft · built 2010 |
| Lot Size | 10 acres (435,600 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,921 (2026) |
| Deeds & Mortgages | Aug 2020 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-14-0003.0007 |
| Primary APN | 01-14-0003.0007 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Plumbing Fixtures | 12 Plumbing Fixtures |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 2,716 sqft Living Area |
| 1st Floor Area | 3,880 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2010 |
|---|---|
| Effective Year Built | Effective 2010 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Raised |
| Lot Area | 435,600 sqft (10 acres) |
| Terrain | Rolling |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 182 TOM COBERT LN |
|---|---|
| City | BERKELEY SPRINGS |
| State | WV |
| Zip | 25411-7330 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DIV OF COBERT LAND PCL G 28.206 AC PCL 3.8 COMBINED F/2023 |
| Jurisdiction | MORGAN WV |
| Township / Civil Division | 3 |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 970701 |
182 Tom Cobert Ln is owned and occupied by two individuals who acquired it in February 2007.
Source: Morgan County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 182 TOM COBERT LN, BERKELEY SPRINGS, WV 25411-7330 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Borrower in Default |
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 |
|---|---|
| Last Transfer Date | Feb 12, 2007 |
| Transfer Doc | 000224/396 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MORGAN WV |
| Property Address | 182 TOM COBERT LN, BERKELEY SPRINGS, WV 25411-7330 |
| Transaction Type | Mortgage |
| Record Updated | Nov 18, 2025 |
| Name | Verified Name |
|---|
| Document Number | 000455/385 |
|---|---|
| Date | Aug 24, 2020 |
| Book Page | 455/385 |
| Instrument | 869466 |
| Name | CITY NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2050 |
The 2026 property tax bill for 182 Tom Cobert Ln was $2,921 with exemptions applied, up 6.3% from the year before.
Source: Morgan County assessment roll, as of November 18, 2025
| Type | Name |
|---|---|
| State | West Virginia |
| County | Morgan County |
| Unified School District | Morgan County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,921.00 (+6.26%) | $271,980 (+7.14%) Land $43,020 Building $228,960 | $453,300 (+7.14%) Land $71,700 Building $381,600 |
| 2025 | $2,749.00 Homeowner's exemption Disabled Person's exemption | $253,860 Land $43,020 Building $210,840 | $423,100 Land $71,700 Building $351,400 |
| 2023 | $2,172.00 (-0.05%) Homeowner's exemption Disabled Person's exemption | $217,860 (-8.15%) Land $27,000 Building $190,860 | $363,100 (-8.12%) Land $45,000 Building $318,100 |
| 2022 | $2,173.00 Homeowner's exemption Disabled Person's exemption | $237,180 Land $55,920 Building $181,260 | $395,200 Land $93,100 Building $302,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 182 Tom Cobert 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 | 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 risk around 182 Tom Cobert Ln 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.
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 |
5G and 4G LTE (outdoors only)
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