2043 Terrapin Neck Rd, Shepherdstown, WV 25443 Property Records

Jefferson County property record for 2043 Terrapin Neck Rd, Shepherdstown, WV 25443

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,234 sqft · built 2012
Lot Size	14 acres (613,325 sqft)
Owner	2 Individual Names on File
Last Sale	$210,000 (Dec 2010)
Tax Bill	$4,492 (2026)
Deeds & Mortgages	Sep 2023 Mortgage Apr 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-1-0008.0010`

Property Details

APN / Parcel Number

Primary APN	`09-1-0008.0010`
Alternative APN	`19-09-1-0008.0010`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,234 sqft Living Area
1st Floor Area	3,724 sqft

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	613,325 sqft (14 acres)
Terrain	Rolling

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	94 BOX TURTLE TRL
City	SHEPHERDSTOWN
State	WV
Zip	25443-2016
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 SMITH MINOR SUBD (14.08 AC)
Legal Subdivision	SMITH MINOR SUB
Legal Lot Number	3
Jurisdiction	JEFFERSON WV
Township / Civil Division	SHEPHERDSTOWN
Census Block Group	3
Census Block	3000
Census Tract	972201

Owner

2043 Terrapin Neck Rd is owned and occupied by two individuals who acquired it in July 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	2043 TERRAPIN NECK RD, SHEPHERDSTOWN, WV 25443-4157
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
Sep 18, 2023	Deed of Trust, Mortgage · Conventional Mortgage BANK OF CHARLES TOWN
Apr 18, 2022	Deed of Trust, Mortgage · Line of Credit BANK OF CHARLES TOWN
Jul 19, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 17, 2010 · Amount on File
Deed Sale	Dec 17, 2010 · Amount on File
Deed Document Number	201025043
Deed Book / Page	1087 / 675
Last Transfer Date	Jul 18, 2019
Transfer Doc	0000008781
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON WV
Property Address	2043 TERRAPIN NECK RD, SHEPHERDSTOWN, WV 25443-4157
Transaction Type	Mortgage
Record Updated	Oct 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2043 TERRAPIN NECK RD, SHEPHERDSTOWN, WV 25443-4157

Mortgage

Document Number	0002521/45
Date	Sep 18, 2023
Book Page	2521/45
Instrument	202300010722

Lender

Name	BANK OF CHARLES TOWN
Type	Bank
Address	CHARLES TOWN, WV 25414

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2038

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON WV
Property Address	2043 TERRAPIN NECK RD, SHEPHERDSTOWN, WV 25443-4157
Transaction Type	Mortgage
Record Updated	May 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2043 TERRAPIN NECK RD, SHEPHERDSTOWN, WV 25443-4157

Mortgage

Document Number	002456/258
Date	Apr 18, 2022
Book Page	2456/258
Instrument	202200005769

Lender

Name	BANK OF CHARLES TOWN
Type	Bank
Address	CHARLES TOWN, WV 25414

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Apr 12, 2027

July 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	JEFFERSON WV
Recording Date	Jul 19, 2019
Property Address	2043 TERRAPIN NECK RD, SHEPHERDSTOWN, WV 25443-4157
Document Number	0000008781
Book / Page	001227 / 000317
Instrument Date	Jul 18, 2019
Instrument	8781
Transaction Type	Transfer
Record Updated	Jul 31, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2043 TERRAPIN NECK RD SHEPHERDSTOWN WV 254434157, SHEPHERDSTOWN, WV 25443-4157

Tax Assessment & Valuation

The 2026 property tax bill for 2043 Terrapin Neck Rd was $4,492, down 1.3% 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	$4,492.00 (-1.3%)	$389,500 (-0.56%) Land $199,900 Building $189,600	$649,167 (-0.56%) Land $333,167 Building $316,000
2025	$4,551.00	$391,700 Land $200,000 Building $191,700	$652,800 Land $333,300 Building $319,500
2023	$4,392.00	$376,100 Land $200,000 Building $176,100	$626,800 Land $333,300 Building $293,500

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

Flood

FEMA maps place 2043 Terrapin Neck Rd in Zone X, an area of minimal flood risk.

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	3 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 2043 Terrapin Neck Rd 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 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Antietam Cable Cable	1,300 / 50
Starlink Satellite	280 / 30
Frontier DSL	10 / 1

Cell Coverage

No cell data coverage reported

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