2497 Smith Rd, Charles Town, WV 25414 Property Records

Jefferson County property record for 2497 Smith Rd, Charles Town, WV 25414

Property Summary

Property Type	Rural Home
Details	3 bd · 3.5 ba · 4,241 sqft · built 1850
Lot Size	6.01 acres (261,796 sqft)
Owner	2 Individual Names on File
Last Sale	$1,300,000 (Jun 2022)
Tax Bill	$4,673 (2026)
Deeds & Mortgages	Jun 2022 Mortgage Jun 2020 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-29-0008.0000`

Property Details

APN / Parcel Number

Primary APN	`06-29-0008.0000`
Alternative APN	`19-06-29-0008.0000`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	4,241 sqft Living Area
1st Floor Area	3,028 sqft
Basement Area	1,089 sqft
Finished Basement	1,089 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1850
Effective Year Built	Effective 1850
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Brick
Lot Area	261,796 sqft (6.01 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2497 SMITH RD
City	CHARLES TOWN
State	WV
Zip	25414-3793
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	6 AC HADLEY, PERKINS
Jurisdiction	JEFFERSON WV
Township / Civil Division	KABLETOWN
Census Block Group	1
Census Block	1043
Census Tract	972800

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Individually Listed	Spring Grove listed 2021 · 2 contributing resources · NRIS 100006504

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

2497 Smith Rd, a rural home, is owned and occupied by two individuals who bought it in June 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	2497 SMITH RD, CHARLES TOWN, WV 25414-3793
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
Jun 30, 2022	Deed of Trust, Mortgage · Conventional Mortgage MCLEAN MORTGAGE CORP
Jun 26, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Mar 25, 2019	Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 30, 2022 · Amount on File
Deed Sale	Jun 30, 2022 · Amount on File
Deed Document Number	20229476
Deed Book / Page	1284 / 13
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON WV
Property Address	2497 SMITH RD, CHARLES TOWN, WV 25414-3793
Transaction Type	Mortgage
Record Updated	Jul 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16633 MANDILEIGH LN, HAMILTON, VA 20158-9479

Mortgage

Document Number	002468/553
Date	Jun 30, 2022
Book Page	2468/553
Instrument	202200009477

Lender

Name	MCLEAN MORTGAGE CORP
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2052

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	JEFFERSON WV
Recording Date	Jun 26, 2020
Property Address	2497 SMITH RD, CHARLES TOWN, WV 25414-3793
Document Number	0000007907
Book / Page	001242 / 000539
Instrument Date	Jun 19, 2020
Instrument	7907
Transaction Type	Transfer
Record Updated	Jul 17, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2497 SMITH RD CHARLES TOWN WV 254143793, CHARLES TOWN, WV 25414-3793

March 2019: Foreclosure

Document Type	Foreclosure
Jurisdiction	JEFFERSON WV
Recording Date	Mar 25, 2019
Property Address	2497 SMITH RD, CHARLES TOWN, WV 25414-3793
Document Number	0000003166
Book / Page	001220 / 000282
Instrument Date	Mar 21, 2019
Instrument	3166
Transaction Type	Foreclosure
Record Updated	Nov 16, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$1,320.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2497 SMITH RD CHARLES TOWN WV 254143793, CHARLES TOWN, WV 25414-3793

Tax Assessment & Valuation

The 2026 property tax bill for 2497 Smith Rd was $4,673, up 0.2% 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	$4,673.00 (+0.21%)	$405,200 (+0.97%) Land $79,700 Building $325,500	$675,333 (+0.98%) Land $132,833 Building $542,500
2025	$4,663.00	$401,300 Land $72,500 Building $328,800	$668,800 Land $120,800 Building $548,000
2023	$4,382.00	$375,200 Land $70,300 Building $304,900	$625,300 Land $117,200 Building $508,100

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 2497 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 2497 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 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
All Points Broadband Fixed Wireless	10 / 1

May also be available: Frontier, T-Mobile.

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