20 Swallow Ct, Berkeley Springs, WV 25411 Property Records

Morgan County property record for 20 Swallow Ct, Berkeley Springs, WV 25411

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 6,432 sqft · built 1991
Lot Size	1.09 acres (47,568 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,993 (2026)
Deeds & Mortgages	Dec 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`02-2-0068.0000`

Property Details

APN / Parcel Number

Primary APN	`02-2-0068.0000`
Alternative APN	`33-02-2-0068.0000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	6,432 sqft Living Area
1st Floor Area	6,040 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Colonial
Exterior Material	Brick
Construction Type	Brick
Lot Area	47,568 sqft (1.09 acres)
Terrain	Rolling
Garage Type	Basement
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Area	608 sqft
Porch	Porch
Porch Area	1,834 sqft
Patio Area	312 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	20 SWALLOW CT
City	BERKELEY SPRINGS
State	WV
Zip	25411-6471
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FAIRVIEW S/D SEC II LOT 23 1.092 AC
Legal Subdivision	FAIRVIEW S/D
Legal Lot Number	23
Jurisdiction	MORGAN WV
Township / Civil Division	2
Census Block Group	1
Census Block	1000
Census Tract	970800

Owner

20 Swallow Ct is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	20 SWALLOW CT, BERKELEY SPRINGS, WV 25411-6471
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN WV
Property Address	20 SWALLOW CT, BERKELEY SPRINGS, WV 25411-6471
Transaction Type	Mortgage
Record Updated	Jan 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000480/20
Date	Dec 30, 2021
Book Page	480/20
Instrument	883478

Lender

Name	CITY NATIONAL BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	349 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 20 Swallow Ct was $4,993 with a homeowner's exemption, up 8.2% 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	$4,993.00 (+8.24%)	$523,620 (+8.18%) Land $21,360 Building $502,260	$872,700 (+8.18%) Land $35,600 Building $837,100
2025	$4,613.00 Homeowner's exemption	$484,020 Land $21,360 Building $462,660	$806,700 Land $35,600 Building $771,100
2023	$4,145.00 (+1.2%) Homeowner's exemption	$434,340 (+1.15%) Land $19,560 Building $414,780	$723,900 (+1.15%) Land $32,600 Building $691,300
2022	$4,096.00 Homeowner's exemption	$429,420 Land $19,560 Building $409,860	$715,700 Land $32,600 Building $683,100

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

Flood

FEMA maps place 20 Swallow Ct in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1978.

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	1 in force
Nearby Flood Claims	8 (1978–1996)
Claims Outside the SFHA	4 of 8
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 · 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 20 Swallow Ct 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.

Drinking Water

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

Water System	CITY OF BERKELEY SPRINGS serves 3,526 people · EPA ID WV3303301
Water Source	Surface water
Last State Inspection	Dec 2024
Lead	4 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	Turbidity resolved · Apr 2018
Treatment and Procedure	Sanitary survey deficiency not corrected Jun 2019
Monitoring and Reporting	32 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 55 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20