259 Headwaters Dr, Falling Waters, WV 25419 Property Records

Berkeley County property record for 259 Headwaters Dr, Falling Waters, WV 25419

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,992 sqft · built 2021
Lot Size	0.61 acres (26,572 sqft)
Owner	Individual Name on File
Last Sale	$409,000 (Jul 2025)
Tax Bill	$2,554 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Aug 2025 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`02-11F-0038.0000`

Property Details

APN / Parcel Number

Primary APN	`02-11F-0038.0000`
Alternative APNs	`02-02-11F-0038.0000` `07244409`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,992 sqft Living Area
1st Floor Area	824 sqft

Exterior

Year Built	Built 2021
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Lot Area	26,572 sqft (0.61 acres)
Terrain	Rolling

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	07244409
Street Address	259 HEADWATERS DR
City	FALLING WATERS
State	WV
Zip	25419-1830
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	.61 AC LOT 53 SEC 11 PHZ 2 BROOKFIELD
Legal Lot Number	53
Jurisdiction	BERKELEY WV
Township / Civil Division	POTOMAC
Census Block Group	3
Census Block	3007
Census Tract	971101

Owner

Source: Berkeley County records · APN 02-11F-0038.0000

Assessment roll updated July 1, 2025 · Last verified November 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	259 HEADWATERS DR, FALLING WATERS, WV 25419-1830
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 12, 2025	Deed of Trust, Mortgage · FHA Mortgage VELLUM MORTGAGE INC
Aug 08, 2025	Deed of Trust, Mortgage · FHA Mortgage VELLUM MORTGAGE INC
Jul 01, 2025	Deed, Transfer · FHA Mortgage VELLUM MORTGAGE INC
Nov 29, 2021	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage LOAN DEPOT INC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 01, 2025 · Amount on Record
Deed Sale	Jul 01, 2025 · Amount on Record
Prior Sale	Nov 29, 2021 · Amount on Record
Deed Document Number	20250018528
Deed Book / Page	1531 / 69
Record Updated	Sep 20, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERKELEY WV
Property Address	259 HEADWATERS DR, FALLING WATERS, WV 25419-1830
Transaction Type	Mortgage
Record Updated	Jun 09, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	004307/488
Date	Sep 12, 2025
Book Page	4307/488
Instrument	20250026164

Lender

Name	VELLUM MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 01, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 01, 2020
Change Frequency	Annually
Min Rate At Change	4.5%
Max Rate At Change	6.5%
Index	1-Year CMT

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERKELEY WV
Property Address	259 HEADWATERS DR, FALLING WATERS, WV 25419-1830
Transaction Type	Mortgage
Record Updated	Jun 09, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	004295/505
Date	Aug 08, 2025
Book Page	4295/505
Instrument	20250022704

Lender

Name	VELLUM MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 01, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 01, 2020
Change Frequency	Annually
Min Rate At Change	4.5%
Max Rate At Change	6.5%
Index	1-Year CMT
Max Rate	6.5%

July 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	BERKELEY WV
Recording Date	Jul 01, 2025
Property Address	259 HEADWATERS DR, FALLING WATERS, WV 25419-1830
Document Number	0001531/69
Book / Page	1531 / 69
Map Reference	PC 19 SLS 23-26
Instrument Date	Jun 23, 2025
Instrument	20250018528
Transaction Type	Transfer
Record Updated	Jun 09, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,149.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	259 HEADWATERS DR, FALLING WATERS, WV 25419-1830
Investor	Possibly a Property Investor

Mortgage

Document Number	20250018529
Date	Jul 01, 2025
Instrument	20250018529

Lender

Name	VELLUM MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 01, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Adjustable	Adjustable Rate Rider
Change Frequency	Annually
Min Rate At Change	4.5%
Max Rate At Change	6.5%
Index	1-Year CMT

November 2021: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	BERKELEY WV
Recording Date	Nov 29, 2021
Property Address	259 HEADWATERS DR, FALLING WATERS, WV 25419-1830
Document Number	0001370/45
Book / Page	1370 / 45
Map Reference	CAB 19 SL 23-26
Instrument Date	Nov 23, 2021
Instrument	20210044373
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 21, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,648.80
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	202100443743822119
Date	Nov 29, 2021
Instrument	202100443743822119

Lender

Name	LOAN DEPOT INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Berkeley County records · Assessment roll updated July 1, 2025 · Last verified November 2025

Property Jurisdictions

Type	Name
State	West Virginia
County	Berkeley County
Unified School District	Berkeley County School District (PK - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,554.00 (+0.67%)	$210,120 (+4.66%) Land $55,080 Building $155,040	$350,200 (+4.66%) Land $91,800 Building $258,400
2023	$2,537.00	$200,760 Land $47,640 Building $153,120	$334,600 Land $79,400 Building $255,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Berkeley County (54003C), as of July 7, 2009 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 540039711013, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 18 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	18 in force
Nearby Flood Claims	3 (1996–2025)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Nov 2025 · rainfall accumulation

Wildfire

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 at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Xfinity Cable	2,000 / 250

Based on FCC filings for 117 locations within half a mile of this property.

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