Jefferson County property record for 22 River Rd, Shepherdstown, WV 25443
| Property Type | Duplex |
|---|---|
| Details | 5 bd · 3.5 ba · 3,660 sqft · built 2002 |
| Lot Size | 2.35 acres (102,366 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,762 (2026) |
| Deeds & Mortgages | Feb 2021 Mortgage Mar 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-11-0004.0009 |
| Primary APN | 09-11-0004.0009 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 15 Plumbing Fixtures |
| Total Rooms | 12 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 3,660 sqft Living Area |
| 1st Floor Area | 2,960 sqft |
| Basement Area | 700 sqft |
| Finished Basement | 700 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 102,366 sqft (2.35 acres) |
| Terrain | Rolling |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 22 RIVER RD |
|---|---|
| City | SHEPHERDSTOWN |
| State | WV |
| Zip | 25443-5054 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Legal Description | LT 2 KNOTT (2.35AC) |
| Legal Lot Number | 2 |
| Jurisdiction | JEFFERSON WV |
| Township / Civil Division | SHEPHERDSTOWN |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 972203 |
22 River Rd, a duplex, is owned and occupied by an individual.
Source: Jefferson County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 22 RIVER RD, SHEPHERDSTOWN, WV 25443-5054 |
| 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.
| Date | Document |
|---|---|
| Feb 12, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Mar 3, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JEFFERSON WV |
| Property Address | 22 RIVER RD, SHEPHERDSTOWN, WV 25443-5054 |
| Transaction Type | Mortgage |
| Record Updated | Mar 3, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Address | 22 RIVER RD, SHEPHERDSTOWN, WV 25443-5054 |
| Document Number | 0000002687 |
|---|---|
| Date | Feb 12, 2021 |
| Book Page | 2349/698 |
| Instrument | 202100002687 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Feb 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JEFFERSON WV |
| Property Address | 22 RIVER RD, SHEPHERDSTOWN, WV 25443-5054 |
| Document Number | 0000003182 |
| Instrument Date | Mar 3, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Apr 8, 2020 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 22 RIVER RD SHEPHERDSTOWN WV 254435054, SHEPHERDSTOWN, WV 25443-5054 |
| Document Number | 0000003182 |
|---|---|
| Date | Mar 16, 2020 |
| Book Page | 002270/000521 |
| Instrument | 3182 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | SHEPHERDSTOWN, WV 25443-5054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Mar 15, 2035 |
The 2026 property tax bill for 22 River Rd was $3,762 with a homeowner's exemption, up 1.7% from the year before.
Source: Jefferson County assessment roll, as of November 14, 2025
| Type | Name |
|---|---|
| State | West Virginia |
| County | Jefferson County |
| Unified School District | Jefferson County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,762.00 (+1.68%) | $346,200 (+2.27%) Land $101,000 Building $245,200 | $577,000 (+2.27%) Land $168,333 Building $408,667 |
| 2025 | $3,700.00 Homeowner's exemption | $338,500 Land $93,300 Building $245,200 | $564,200 Land $155,500 Building $408,700 |
| 2023 | $3,488.00 Homeowner's exemption | $318,700 Land $93,300 Building $225,400 | $531,100 Land $155,500 Building $375,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 22 River 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 |
|
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 risk around 22 River 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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 8 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 25 / 3 |
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