Jefferson County property record for 2505 Terrapin Neck Rd, Shepherdstown, WV 25443
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 3.5 ba · 3,636 sqft · built 1991 |
| Lot Size | 10 acres (435,600 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,094 (2026) |
| Deeds & Mortgages | Jul 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-1-0010.0004 |
| Primary APN | 09-1-0010.0004 |
|---|---|
| Alternative APN |
|
| 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 | 3,636 sqft Living Area |
| 1st Floor Area | 2,736 sqft |
| Basement Area | 900 sqft |
| Finished Basement | 900 sqft |
| Family Room | Family Room |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Architectural Style | Conventional |
| Exterior Material | Brick Veneer |
| Construction Type | Frame |
| Lot Area | 435,600 sqft (10 acres) |
| Terrain | Rolling |
| Garage Type | Basement |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Wood |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 2505 TERRAPIN NECK RD |
|---|---|
| City | SHEPHERDSTOWN |
| State | WV |
| Zip | 25443-4436 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | PCT 4 (10 AC) POTOMAC FARMS NURSERY |
| Jurisdiction | JEFFERSON WV |
| Township / Civil Division | SHEPHERDSTOWN |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 972201 |
2505 Terrapin Neck Rd, a rural home, is owned by two individuals.
Source: Jefferson County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | PO BOX 1360, SHEPHERDSTOWN, WV 25443-1360 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JEFFERSON WV |
| Property Address | 2505 TERRAPIN NECK RD, SHEPHERDSTOWN, WV 25443-4436 |
| Document Number | 0000009750 |
| Instrument Date | Jul 8, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 20, 2019 |
| Title Company | ACCURATE EQUITY GROUP, ACCURATE EQUITY GRP |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2505 TERRAPIN NECK RD SHEPHERDSTOWN WV 25443, SHEPHERDSTOWN, WV 25443 |
| Document Number | 0000009750 |
|---|---|
| Date | Aug 8, 2019 |
| Book Page | 002235/000707 |
| Instrument | 9750 |
| Name | BRANCH BK&TR |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 2505 Terrapin Neck Rd was $3,094, down 1.7% from the year before.
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 | $3,094.00 (-1.65%) | $268,300 (-0.92%) Land $63,600 Building $204,700 | $447,167 (-0.92%) Land $106,000 Building $341,167 |
| 2025 | $3,146.00 | $270,800 Land $63,700 Building $207,100 | $451,300 Land $106,200 Building $345,100 |
| 2023 | $2,966.00 | $254,000 Land $63,700 Building $190,300 | $423,400 Land $106,200 Building $317,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2505 Terrapin Neck Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 3 in force |
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 risk around 2505 Terrapin Neck Rd 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 94% of the US · lower than 99.5% of West Virginia |
|---|---|
| Wildfire Likelihood | 0.01% 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 5 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
5G and 4G LTE (outdoors only)
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