1899 Trough Rd, Shepherdstown, WV 25443 Property Records

Jefferson County property record for 1899 Trough Rd, Shepherdstown, WV 25443

Property Summary

Property Type	Rural Home
Details	3 bd · 3 ba · 3,040 sqft · built 1989
Lot Size	10 acres (435,600 sqft)
Owner	2 Individual Names on File
Last Sale	$560,000 (May 2023)
Tax Bill	$3,915 (2026)
Deeds & Mortgages	May 2023 Sale & Mortgage May 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-9-0007.0006`

Property Details

APN / Parcel Number

Primary APN	`09-9-0007.0006`
Alternative APN	`19-09-9-0007.0006`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	1 Story
Building Area	3,040 sqft Living Area
1st Floor Area	3,080 sqft
Basement Area	1,500 sqft
Finished Basement	1,500 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Construction Type	Frame
Lot Area	435,600 sqft (10 acres)
Terrain	Rolling

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1899 TROUGH RD
City	SHEPHERDSTOWN
State	WV
Zip	25443-4587
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	10.00 AC (PT TRACT A) DAY-GANO
Legal Subdivision	10 00 ACRE EXEMPTION PARCEL AND RESIDUE
Legal Tract	A
Jurisdiction	JEFFERSON WV
Township / Civil Division	SHEPHERDSTOWN
Census Block Group	1
Census Block	1004
Census Tract	972203

Owner

1899 Trough Rd, a rural home, is owned and occupied by two individuals who bought it in May 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	1899 TROUGH RD, SHEPHERDSTOWN, WV 25443-4587
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
May 19, 2023	Warranty Deed, Transfer · Conventional Mortgage BANK OF CHARLES TOWN
May 11, 2021	Deed, Transfer · Conventional Mortgage INTEGRITY HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 19, 2023 · Amount on File
Deed Sale	May 19, 2023 · Amount on File
Prior Sale	Jul 27, 2010 · Amount on File
Deed Document Number	20235601
Deed Book / Page	1301 / 452
Record Updated	Oct 29, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON WV
Recording Date	May 19, 2023
Property Address	1899 TROUGH RD, SHEPHERDSTOWN, WV 25443-4587
Document Number	001301/452
Book / Page	1301 / 452
Map Reference	MB 554 PG 142
Instrument Date	May 10, 2023
Instrument	202300005601
Transaction Type	Transfer
Record Updated	Jun 6, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,744.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1899 TROUGH RD, SHEPHERDSTOWN, WV 25443-4587

Mortgage

Document Number	202300005602
Date	May 19, 2023
Instrument	202300005602

Lender

Name	BANK OF CHARLES TOWN
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2053

May 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	JEFFERSON WV
Recording Date	May 11, 2021
Property Address	1899 TROUGH RD, SHEPHERDSTOWN, WV 25443-4587
Document Number	00001260/5
Book / Page	1260 / 5
Map Reference	MB 554 PG 142
Instrument Date	May 7, 2021
Instrument	202100008122
Transaction Type	Transfer
Record Updated	Sep 8, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,940.00
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

Mortgage

Document Number	202100008123
Date	May 11, 2021
Instrument	202100008123

Lender

Name	INTEGRITY HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 1899 Trough Rd was $3,915, up 0.6% from the year before.

Source: Jefferson County assessment roll, as of November 14, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,915.00 (+0.64%)	$339,500 (+1.4%) Land $93,700 Building $245,800	$565,833 (+1.42%) Land $156,167 Building $409,667
2025	$3,890.00	$334,800 Land $89,000 Building $245,800	$557,900 Land $148,300 Building $409,600
2023	$3,325.00	$284,700 Land $50,600 Building $234,100	$474,500 Land $84,400 Building $390,100

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

Flood

FEMA maps place 1899 Trough Rd in Zone X, an area of minimal flood risk, though there have been 10 flood claims nearby since 1985.

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
Flood Insurance Cost	Premium on File median of 13 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	13 in force
Nearby Flood Claims	10 (1985–2025)
Claims Outside the SFHA	3 of 10
Most Recent Claim	May 2025 · rainfall accumulation
Claims by Event	Hurricane Fran And Associated Heavy Rains,flooding Highwind, Sep 1996 · 3 claims Flooding, Jan 1996 · 3 claims

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 1899 Trough 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 49 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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