22 Bobcat Dr, Berkeley Springs, WV 25411 Property Records

Morgan County property record for 22 Bobcat Dr, Berkeley Springs, WV 25411

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,464 sqft · built 1989
Lot Size	0.539 acres (23,479 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,618 (2026)
Deeds & Mortgages	Oct 2020 Refinance Mar 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-1A-0047.0000`

Property Details

APN / Parcel Number

Primary APN	`06-1A-0047.0000`
Alternative APN	`33-06-1A-0047.0000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,464 sqft Living Area
1st Floor Area	1,792 sqft
Basement Area	896 sqft
Finished Basement	896 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Modern
Construction Type	Frame
Lot Area	23,479 sqft (0.539 acres)
Lot Dimensions	139 ft deep x 178 ft wide
Terrain	Rolling
Garage Type	Carport
Garage Area	264 sqft
Carport	Carport
Carport Area	264 sqft
Porch	Porch
Porch Area	120 sqft
Patio Area	456 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	22 BOBCAT DR
City	BERKELEY SPRINGS
State	WV
Zip	25411
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COOLFONT S/D SEC K LOT 6 0.539 AC
Legal Subdivision	COOLFONT S/D
Legal Lot Number	6
Jurisdiction	MORGAN WV
Township / Civil Division	1
Census Block Group	2
Census Block	2014
Census Tract	971002

Owner

22 Bobcat Dr is owned by two individuals who acquired it in August 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	125 S VAN BUREN ST, ROCKVILLE, MD 20850-2802
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
Oct 6, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance AMERISAVE MORTGAGE CORP
Mar 2, 2023	Deed, Transfer · ARM CNB BANK
Oct 6, 2020	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Aug 24, 2020
Transfer Doc	000277/863
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN WV
Property Address	22 BOBCAT DR, BERKELEY SPRINGS, WV 25411
Transaction Type	Mortgage
Record Updated	Jan 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000457/470
Date	Oct 6, 2020
Book Page	457/470
Instrument	870550

Lender

Name	AMERISAVE MORTGAGE CORP

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

March 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	MORGAN WV
Recording Date	Mar 2, 2023
Property Address	22 BOBCAT DR, BERKELEY SPRINGS, WV 25411
Document Number	000290/492
Book / Page	290 / 492
Instrument Date	Feb 23, 2023
Instrument	892417
Transaction Type	Transfer
Record Updated	Jan 19, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
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
Address	125 S VAN BUREN ST, ROCKVILLE, MD 20850-2802

Mortgage

Document Number	0000892418
Date	Mar 2, 2023
Instrument	892418

Lender

Name	CNB BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.7%
Type Change Date	Mar 1, 2030
Index	Other

October 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	MORGAN WV
Recording Date	Oct 6, 2020
Property Address	22 BOBCAT DR, BERKELEY SPRINGS, WV 25411
Document Number	000277/863
Book / Page	277 / 863
Instrument Date	Aug 24, 2020
Instrument	870549
Transaction Type	Transfer
Record Updated	Jan 19, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

The 2026 property tax bill for 22 Bobcat Dr was $3,618, up 6.8% 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	$3,618.00 (+6.76%)	$182,460 (+7.04%) Land $30,000 Building $152,460	$304,100 (+7.04%) Land $50,000 Building $254,100
2025	$3,389.00	$170,460 Land $30,000 Building $140,460	$284,100 Land $50,000 Building $234,100
2023	$1,210.00 (+1%)	$120,960 (+0.95%) Land $25,980 Building $94,980	$201,600 (+0.95%) Land $43,300 Building $158,300
2022	$1,198.00	$119,820 Land $25,980 Building $93,840	$199,700 Land $43,300 Building $156,400

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

Flood

FEMA maps place 22 Bobcat Dr 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	6 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 22 Bobcat Dr is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 63% of the US · above 48% of West Virginia
Wildfire Likelihood	0.04% 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 48 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: T-Mobile.

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