232 Key Ln, Berkeley Springs, WV 25411 Property Records

Morgan County property record for 232 Key Ln, Berkeley Springs, WV 25411

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,456 sqft · built 2017
Lot Size	1.61 acres (70,262 sqft)
Owner	Company Name on Record
Last Sale	$50,000 (Oct 2024)
Tax Bill	$1,253 (2026)
Deeds & Mortgages	Mar 2023 Sale & Mortgage Aug 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`02-2B-0015.0000`

Property Details

APN / Parcel Number

Primary APN	`02-2B-0015.0000`
Alternative APN	`33-02-2B-0015.0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,456 sqft Living Area
1st Floor Area	2,912 sqft

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	70,262 sqft (1.61 acres)
Terrain	Rolling

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	232 KEY LN
City	BERKELEY SPRINGS
State	WV
Zip	25411-3805
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KEY ACRES S/D SEC 2 LOT 41 1.613 AC
Legal Subdivision	KEY ACRES S/D
Legal Lot Number	41
Jurisdiction	MORGAN WV
Township / Civil Division	2
Census Block Group	1
Census Block	1000
Census Tract	970800

Owner

Source: Morgan 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	Company Name on Record
Mailing Address	713 SAM MASON RD, BUNKER HILL, WV 25413-3202
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Mar 31, 2023	Deed, Transfer · Conventional Mortgage HOMEBRIDGE MORTGAGE CORPORATION
Aug 1, 2022	Deed of Trust, Mortgage · Line of Credit CNB BANK
Oct 4, 2017	Deed of Trust, Mortgage · Line of Credit THE BANK OF ROMNEY
Apr 11, 2017	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 2, 2024 · Amount on Record
Deed Sale	Oct 2, 2024 · Amount on Record
Prior Sale	Sep 29, 2023 · Amount on Record
Deed Document Number	2024907509
Deed Book / Page	297 / 613
Record Updated	Oct 29, 2026

March 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	MORGAN WV
Recording Date	Mar 31, 2023
Property Address	232 KEY LN, BERKELEY SPRINGS, WV 25411-3805
Document Number	000290/734
Book / Page	290 / 734
Instrument Date	Mar 31, 2023
Instrument	893075
Transaction Type	Transfer
Record Updated	Nov 18, 2025

Transaction

Amount	Amount Recorded
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
Address	232 KEY LN, BERKELEY SPRINGS, WV 25411-3805

Mortgage

Document Number	0000893076
Date	Mar 31, 2023
Instrument	893076

Lender

Name	HOMEBRIDGE MORTGAGE CORPORATION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN WV
Property Address	232 KEY LN, BERKELEY SPRINGS, WV 25411-3805
Transaction Type	Mortgage
Record Updated	Aug 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000489/236
Date	Aug 1, 2022
Book Page	489/236
Instrument	887580

Lender

Name	CNB BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Sep 1, 2042

Interest

Rate Type	Adjustable Rate

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN WV
Property Address	232 KEY LN, BERKELEY SPRINGS, WV 25411-3805
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	424/186
Date	Oct 4, 2017
Book Page	424/186
Instrument	840170

Lender

Name	THE BANK OF ROMNEY
Type	Bank
Address	ROMNEY, WV 26757

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	MORGAN WV
Recording Date	Apr 11, 2017
Property Address	232 KEY LN, BERKELEY SPRINGS, WV 25411-3805
Document Number	262/123
Book / Page	262 / 123
Instrument Date	Apr 6, 2017
Instrument	837215
Transaction Type	Transfer
Record Updated	Nov 2, 2021

Transaction

Amount	Amount Recorded
Tax	$80.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 593, BEVERLY, WV 26253-0593

Tax Assessment & Valuation

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	$1,253.00 (+8.39%)	$126,420 (+8.72%) Land $22,680 Building $103,740	$210,700 (+8.72%) Land $37,800 Building $172,900
2025	$1,156.00 (+19.67%)	$116,280 (+20.37%) Land $20,760 Building $95,520	$193,800 (+20.37%) Land $34,600 Building $159,200
2023	$966.00 (+1.36%)	$96,600 (+1.39%) Land $15,480 Building $81,120	$161,000 (+1.39%) Land $25,800 Building $135,200
2022	$953.00	$95,280 Land $15,480 Building $79,800	$158,800 Land $25,800 Building $133,000

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

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	1 in force
Nearby Flood Claims	8 (1978–1996)
Claims Outside the SFHA	4 of 8
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 · 3 claims Flooding, Jan 1996 · 3 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

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF BERKELEY SPRINGS serves 3,526 people · EPA ID WV3303301
Water Source	Surface water
Last State Inspection	Dec 2024
Lead	4 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	Turbidity resolved · Apr 2018
Treatment and Procedure	Sanitary survey deficiency not corrected Jun 2019
Monitoring and Reporting	32 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 66 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Frontier.

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