Jefferson County property record for 221 Gray Ln, Harpers Ferry, WV 25425
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,120 sqft · built 1977 |
| Lot Size | 1.5 acres (65,340 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $1,116 (2026) |
| Deeds & Mortgages | Oct 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-21-0045.0000 |
| Primary APN | 02-21-0045.0000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,120 sqft Living Area |
| 1st Floor Area | 2,240 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Construction Type | Brick |
| Lot Area | 65,340 sqft (1.5 acres) |
| Terrain | Above Road/Slope |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 221 GRAY LN |
|---|---|
| City | HARPERS FERRY |
| State | WV |
| Zip | 25425-7056 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 1 1/2 AC. MT. HEISHMAN |
| Jurisdiction | JEFFERSON WV |
| Township / Civil Division | HARPERS FERRY |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 972702 |
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 | 221 GRAY LN, HARPERS FERRY, WV 25425-7056 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Feb 23, 2006 |
| Transfer Doc | 0010200333 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JEFFERSON WV |
| Property Address | 221 GRAY LN, HARPERS FERRY, WV 25425-7056 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2021 |
| Name | Verified Name |
|---|---|
| Address | 221 GRAY LN, HARPERS FERRY, WV 25425-7056 |
| Document Number | 2416/302 |
|---|---|
| Date | Oct 12, 2021 |
| Book Page | 2416/302 |
| Instrument | 202100016812 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 253 Months |
| Due | Nov 1, 2042 |
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 | $1,116.00 (+1%) | $96,800 (+1.79%) Land $32,200 Building $64,600 | $161,333 (+1.72%) Land $53,667 Building $107,667 |
| 2025 | $1,105.00 (+5.14%) | $95,100 (+5.67%) Land $29,600 Building $65,500 | $158,600 (+5.66%) Land $49,400 Building $109,200 |
| 2023 | $1,051.00 | $90,000 Land $29,600 Building $60,400 | $150,100 Land $49,400 Building $100,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective July 23, 2024
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
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 | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 64 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
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