20 Rams Ct, Shepherdstown, WV 25443 Property Records

Jefferson County property record for 20 Rams Ct, Shepherdstown, WV 25443

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,464 sqft · built 2005
Lot Size	0.339 acres (14,767 sqft)
Owner	Individual Name on Record
Last Sale	$190,000 (Sep 2007)
Tax Bill	$2,288 (2026)
Deeds & Mortgages	Jan 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`09-8C-0184.0000`

Property Details

APN / Parcel Number

Primary APN	`09-8C-0184.0000`
Alternative APN	`19-09-8C-0184.0000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,464 sqft Living Area
1st Floor Area	2,064 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Lot Area	14,767 sqft (0.339 acres)
Lot Dimensions	164 ft deep x 76 ft wide
Terrain	Rolling

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	20 RAMS CT
City	SHEPHERDSTOWN
State	WV
Zip	25443-4339
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT #62 MADDEX FARM
Legal Subdivision	SHANNONDALE SUBDIVISION
Legal Lot Number	62
Jurisdiction	JEFFERSON WV
Township / Civil Division	SHEPHERDSTOWN
Census Block Group	2
Census Block	2001
Census Tract	972201

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	20 RAMS CT, SHEPHERDSTOWN, WV 25443-4339
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 5, 2007 · Amount on Record
Deed Sale	Sep 5, 2007 · Amount on Record
Prior Sale	May 13, 2005 · Amount on Record
Deed Document Number	200720040
Deed Book / Page	1041 / 122
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON WV
Property Address	20 RAMS CT, SHEPHERDSTOWN, WV 25443-4339
Transaction Type	Mortgage
Record Updated	Feb 27, 2026
Title Company	JPO TITLE ASSOCIATES INC, TITLE ASSOCIATES INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 190, SHEPHERDSTOWN, WV 25443-0190

Mortgage

Document Number	002660/293
Date	Jan 28, 2026
Book Page	2660/293
Instrument	202600001211

Lender

Name	UNITED BANK
Type	Bank
Address	FAIRFAX, VA 22030

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Feb 15, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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	$2,288.00 (+3.86%)	$218,400 (+4.2%) Land $68,900 Building $149,500	$364,000 (+4.21%) Land $114,833 Building $249,167
2025	$2,203.00 (+6.32%) Homeowner's exemption	$209,600 (+6.18%) Land $58,300 Building $151,300	$349,300 (+6.17%) Land $97,200 Building $252,100
2023	$2,072.00 Homeowner's exemption	$197,400 Land $58,300 Building $139,100	$329,000 Land $97,200 Building $231,800

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

Flood

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	1 in force
Nearby Flood Claims	7 (1984–1996)
Claims Outside the SFHA	6 of 7
Most Recent Claim	Sep 1996 · Hurricane Fran And Associated Heavy Rains,flooding Highwind
Claims by Event	Hurricane Fran And Associated Heavy Rains,flooding Highwind, Sep 1996 · 2 claims Flooding, Jan 1996 · 2 claims Severe Storms & Flooding, Nov 1985 · 2 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

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CORPORATION OF SHEPHERDSTOWN serves 4,300 people · EPA ID WV3301933
Water Source	Surface water
Last State Inspection	Dec 2024
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 125 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