23 Ryan Ct, Shepherdstown, WV 25443 Property Records

Jefferson County property record for 23 Ryan Ct, Shepherdstown, WV 25443

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,024 sqft · built 1993
Lot Size	0.041 acres (1,786 sqft)
Owner	2 Individual Names on File
Last Sale	$329,000 (Apr 2026)
Tax Bill	$1,800 (2026)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Apr 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-8C-0072.0000`

Property Details

APN / Parcel Number

Primary APN	`09-8C-0072.0000`
Alternative APN	`19-09-8C-0072.0000`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,024 sqft Living Area
1st Floor Area	1,424 sqft
Basement Area	600 sqft
Finished Basement	600 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Row Home
Exterior Material	Brick Veneer
Construction Type	Frame
Lot Area	1,786 sqft (0.041 acres)
Lot Dimensions	90 ft deep x 20 ft wide
Terrain	Rolling

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	23 RYAN CT
City	SHEPHERDSTOWN
State	WV
Zip	25443-4306
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PHASE II LOT 4 MADDEX FARM
Legal Subdivision	TOWNHOUSE RESIDENTIAL
Legal Lot Number	4
Jurisdiction	JEFFERSON WV
Township / Civil Division	SHEPHERDSTOWN
Census Block Group	2
Census Block	2002
Census Tract	972201

Owner

23 Ryan Ct is owned and occupied by two individuals who bought it in April 2026.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	23 RYAN CT, SHEPHERDSTOWN, WV 25443-4306
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 14, 2026	Warranty Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE
Apr 14, 2026	Warranty Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE
Sep 3, 2019	Grant Deed, Transfer · VA Mortgage TIDEWATER MTG SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 14, 2026 · Amount on File
Deed Sale	Apr 14, 2026 · Amount on File
Prior Sale	Sep 29, 2009 · Amount on File
Deed Document Number	20265326
Deed Book / Page	1371 / 617
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON WV
Recording Date	Apr 14, 2026
Property Address	23 RYAN CT, SHEPHERDSTOWN, WV 25443-4306
Document Number	001371/617
Book / Page	1371 / 617
Instrument Date	Apr 10, 2026
Instrument	20265326
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$219,311.40
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	23 RYAN CT, SHEPHERDSTOWN, WV 25443-4306

Mortgage

Document Number	0000005327,
Date	Apr 14, 2026
Instrument	20265327

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON WV
Recording Date	Apr 14, 2026
Property Address	23 RYAN CT, SHEPHERDSTOWN, WV 25443-4306
Document Number	0000005326
Book / Page	1371 / 617
Instrument Date	Apr 10, 2026
Instrument	2026.5326
Transaction Type	Transfer
Record Updated	May 6, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$219,311.40
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	23 RYAN CT, SHEPHERDSTOWN, WV 25443-4306

Mortgage

Document Number	0000005327,
Date	Apr 14, 2026
Instrument	2026..5327

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.98%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

September 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	JEFFERSON WV
Recording Date	Sep 3, 2019
Property Address	23 RYAN CT, SHEPHERDSTOWN, WV 25443-4306
Document Number	0000011044
Book / Page	001229 / 000257
Instrument Date	Aug 30, 2019
Instrument	11044
Transaction Type	Transfer
Record Updated	Sep 12, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,280.40
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 RYAN CT SHEPHERDSTOWN WV 254434306, SHEPHERDSTOWN, WV 25443-4306

Mortgage

Document Number	11045
Date	Sep 3, 2019
Book Page	002239/000702
Instrument	11045

Lender

Name	TIDEWATER MTG SVCS
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23452

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 2, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 23 Ryan Ct was $1,800, down 1.7% 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	$1,800.00 (-1.69%)	$156,100 (-0.95%) Land $32,300 Building $123,800	$260,167 (-0.96%) Land $53,833 Building $206,333
2025	$1,831.00	$157,600 Land $32,300 Building $125,300	$262,700 Land $53,900 Building $208,800
2023	$1,680.00	$143,900 Land $28,600 Building $115,300	$239,800 Land $47,700 Building $192,100

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 23 Ryan Ct in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1984.

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	1 in force
Nearby Flood Claims	7 (1984–1996)
Claims Outside the SFHA	6 of 7
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 · 2 claims Flooding, Jan 1996 · 2 claims Severe Storms & Flooding, Nov 1985 · 2 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 23 Ryan Ct 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 101 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: Glo Fiber.

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