2496 Smith Rd, Charles Town, WV 25414 Property Records

Jefferson County property record for 2496 Smith Rd, Charles Town, WV 25414

Property Summary

Property Type	Single Family Home
Details	3 bd · 4.5 ba · 3,312 sqft · built 2017
Lot Size	10 acres (435,600 sqft)
Owner	2 Individual Names on File
Last Sale	$657,000 (Oct 2018)
Tax Bill	$4,921 (2026)
Deeds & Mortgages	Apr 2017 Mortgage Oct 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-20A-0004.0000`

Property Details

APN / Parcel Number

Primary APN	`06-20A-0004.0000`
Alternative APN	`19-06-20A-0004.0000`

Interior

Bedrooms	3 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	16 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	3,312 sqft Living Area
1st Floor Area	4,732 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Modern
Exterior Material	Aluminum/Vinyl
Lot Area	435,600 sqft (10 acres)
Terrain	Rolling

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	2496 SMITH RD
City	CHARLES TOWN
State	WV
Zip	25414-5715
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT #4 SMITH MT VIEW ESTATES
Legal Subdivision	SMITH MOUNTAIN VIEW ESTATES
Legal Lot Number	4
Jurisdiction	JEFFERSON WV
Township / Civil Division	KABLETOWN
Census Block Group	1
Census Block	1041
Census Tract	972800

Owner

2496 Smith Rd is owned and occupied by two individuals who bought it in October 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	2496 SMITH RD, CHARLES TOWN, WV 25414-5715
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 7, 2017	Deed of Trust, Mortgage · Commercial Mortgage CITY NATIONAL BANK OF WEST VIRGINIA
Oct 3, 2017	Deed of Trust, Mortgage · Conventional Mortgage CITY NATIONAL BANK OF WEST VIRGINIA
Oct 2, 2018	Grant Deed, Transfer · Conventional Mortgage PRIMELENDING
Mar 3, 2017	Loan Modification, Mortgage CITY NAT'L BK/WV

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 2, 2018 · Amount on File
Deed Sale	Oct 2, 2018 · Amount on File
Prior Sale	Mar 22, 2016 · Amount on File
Deed Document Number	201811697
Deed Book / Page	1213 / 396
Record Updated	Oct 29, 2026

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON WV
Property Address	2496 SMITH RD, CHARLES TOWN, WV 25414-5715
Transaction Type	Mortgage
Record Updated	Jan 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002135/118
Date	Apr 7, 2017
Book Page	2135/118
Instrument	201700007827

Lender

Name	CITY NATIONAL BANK OF WEST VIRGINIA
Type	Bank
Address	CHARLES TOWN, WV 25414

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	119 Months
Due	Mar 25, 2027

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON WV
Property Address	2496 SMITH RD, CHARLES TOWN, WV 25414-5715
Transaction Type	Mortgage
Record Updated	Jan 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002158/480
Date	Oct 3, 2017
Book Page	2158/480
Instrument	201700016727

Lender

Name	CITY NATIONAL BANK OF WEST VIRGINIA
Type	Bank
Address	CHARLESTON, WV 25313

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2047

October 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	JEFFERSON WV
Recording Date	Oct 2, 2018
Property Address	2496 SMITH RD, CHARLES TOWN, WV 25414-5715
Document Number	0000011697
Book / Page	001213 / 000396
Instrument Date	Sep 28, 2018
Instrument	11697
Transaction Type	Transfer
Record Updated	Oct 30, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,336.20
Amount Accuracy	Confirmed
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	2496 SMITH RD CHARLES TOWN WV 254145715, CHARLES TOWN, WV 25414-5715

Mortgage

Document Number	11698
Date	Oct 2, 2018
Book Page	002200/000386
Instrument	11698

Lender

Name	PRIMELENDING
Address	DALLAS, TX 75252

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2048

March 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	JEFFERSON WV
Property Address	2496 SMITH RD, CHARLES TOWN, WV 25414-5715
Document Number	0000006651
Book / Page	002132 / 000310
Instrument Date	Mar 3, 2017
Transaction Type	Mortgage
Record Updated	Sep 13, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2496 SMITH RD CHARLES TOWN WV 254145715, CHARLES TOWN, WV 25414-5715

Mortgage

Document Number	0000006651
Date	Mar 16, 2017
Book Page	002132/000310
Instrument	6651

Lender

Name	CITY NAT'L BK/WV
Type	Bank
Address	CROSS LANES, WV 25356-0899

Agreement

Amount	Amount on Record
Term	360 Months
Due	Mar 15, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 2496 Smith Rd was $4,921, up 2.4% 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	$4,921.00 (+2.37%)	$426,700 (+3.14%) Land $139,200 Building $287,500	$711,167 (+3.14%) Land $232,000 Building $479,167
2025	$4,807.00	$413,700 Land $123,100 Building $290,600	$689,500 Land $205,200 Building $484,300
2023	$4,399.00	$376,700 Land $107,000 Building $269,700	$627,900 Land $178,400 Building $449,500

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

Flood

FEMA maps place 2496 Smith Rd in Zone X, an area of minimal flood risk, though there have been 28 flood claims nearby since 1979.

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 20 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	20 in force
Nearby Flood Claims	28 (1979–2025)
Claims Outside the SFHA	8 of 28
Most Recent Claim	Jul 2025 · rainfall accumulation
Claims by Event	Hurricane Fran And Associated Heavy Rains,flooding Highwind, Sep 1996 · 13 claims Flooding, Jan 1996 · 7 claims Severe Storms & Flooding, Nov 1985 · 4 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 2496 Smith Rd is low, with a 0.03% 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	0.03% 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 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Smith Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures