252 Sheppard Ln, Berkeley Springs, WV 25411 Property Records

Morgan County property record for 252 Sheppard Ln, Berkeley Springs, WV 25411

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,276 sqft · built 1978
Lot Size	4.99 acres (217,364 sqft)
Owner	2 Individual Names on Record
Last Sale	$230,000 (Nov 2019)
Tax Bill	$1,655 (2026)
Deeds & Mortgages	Nov 2018 Line of Credit Sep 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`02-6-0154.0000`

Property Details

APN / Parcel Number

Primary APN	`02-6-0154.0000`
Alternative APN	`33-02-6-0154.0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,276 sqft Living Area
1st Floor Area	3,508 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Brick
Lot Area	217,364 sqft (4.99 acres)
Terrain	Rolling
Garage Type	Carport
Garage Area	644 sqft
Carport	Carport
Carport Area	644 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	252 SHEPPARD LN
City	BERKELEY SPRINGS
State	WV
Zip	25411-5158
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FORD S/D PCL A 4.99 AC
Legal Subdivision	FORD S/D
Legal Lot Number	C,D
Jurisdiction	MORGAN WV
Township / Civil Division	2
Census Block Group	1
Census Block	1014
Census Tract	970701

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	2 Individual Names on Record
Mailing Address	252 SHEPPARD LN, BERKELEY SPRINGS, WV 25411-5158
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 5, 2018	Deed of Trust, Mortgage · Line of Credit CNB BANK
Sep 2, 2020	Deed of Trust, Mortgage · VA Mortgage LOW VA RATES
Oct 27, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance FEDERAL SAVINGS BANK
Feb 22, 2024	Deed of Trust, Mortgage · Conventional Mortgage SWIFT HOME LOANS INC
Nov 4, 2019	Deed, Transfer · VA Mortgage GOLDWATER BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 4, 2019 · Amount on Record
Deed Sale	Nov 4, 2019 · Amount on Record
Deed Document Number	2019861378
Deed Book / Page	273 / 592
Record Updated	Oct 29, 2026

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN WV
Property Address	252 SHEPPARD LN, BERKELEY SPRINGS, WV 25411-5158
Transaction Type	Mortgage
Record Updated	Nov 18, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000434/0000000833
Date	Nov 5, 2018
Book Page	0000000434/0000000833
Instrument	000000851285

Lender

Name	CNB BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	230 Months
Due	Jan 1, 2038

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN WV
Property Address	252 SHEPPARD LN, BERKELEY SPRINGS, WV 25411-5158
Transaction Type	Mortgage
Record Updated	Nov 18, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000455/837
Date	Sep 2, 2020
Book Page	455/837
Instrument	869760

Lender

Name	LOW VA RATES

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN WV
Property Address	252 SHEPPARD LN, BERKELEY SPRINGS, WV 25411-5158
Transaction Type	Mortgage
Record Updated	Nov 18, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000492/689
Date	Oct 27, 2022
Book Page	492/689
Instrument	889715

Lender

Name	FEDERAL SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN WV
Property Address	252 SHEPPARD LN, BERKELEY SPRINGS, WV 25411-5158
Transaction Type	Mortgage
Record Updated	Nov 18, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000505/848
Date	Feb 22, 2024
Book Page	505/848
Instrument	901893

Lender

Name	SWIFT HOME LOANS INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

November 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	MORGAN WV
Recording Date	Nov 4, 2019
Property Address	252 SHEPPARD LN, BERKELEY SPRINGS, WV 25411-5158
Document Number	000273/592
Book / Page	273 / 592
Instrument Date	Oct 30, 2019
Instrument	861378
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

Mortgage

Document Number	000444/527
Date	Nov 4, 2019
Book Page	444/527
Instrument	861379

Lender

Name	GOLDWATER BANK NA
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

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	$1,655.00 (+7.12%)	$186,980 (+6.6%) Land $25,400 Building $161,580	$311,633 (+6.61%) Land $42,333 Building $269,300
2025	$1,545.00 (+30.6%) Homeowner's exemption Disabled Person's exemption	$175,400 (+26.81%) Land $25,400 Building $150,000	$292,300 (+26.81%) Land $42,300 Building $250,000
2023	$1,183.00 (+1.02%) Homeowner's exemption Disabled Person's exemption	$138,320 (+0.92%) Land $23,300 Building $115,020	$230,500 (+0.92%) Land $38,800 Building $191,700
2022	$1,171.00 Homeowner's exemption Disabled Person's exemption	$137,060 Land $23,300 Building $113,760	$228,400 Land $38,800 Building $189,600

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

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	4 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

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.

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 68 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

May also be available: Frontier, T-Mobile.

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