28 Cotswold Ln, Falling Waters, WV 25419 Property Records

Berkeley County property record for 28 Cotswold Ln, Falling Waters, WV 25419

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,518 sqft · built 2016
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on Record
Last Sale	$299,900 (Apr 2024)
Tax Bill	$1,763 (2025)
Deeds & Mortgages	Apr 2024 Sale Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-14J-0322.0000`

Property Details

APN / Parcel Number

Primary APN	`02-14J-0322.0000`
Alternative APNs	`02-02-14J-0322.0000` `07241366`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,518 sqft Living Area
1st Floor Area	1,518 sqft

Exterior

Year Built	Built 2016
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Lot Area	7,841 sqft (0.18 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	07241366
Street Address	28 COTSWOLD LN
City	FALLING WATERS
State	WV
Zip	25419-1370
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	.18 AC LOT 64 SEC 1 PHASE 10 SPRING MILLS PUD VILLAS
Legal Lot Number	64
Jurisdiction	BERKELEY WV
Township / Civil Division	POTOMAC
Census Block Group	2
Census Block	2012
Census Tract	971105

Owner

Source: Berkeley County records, as of November 14, 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 Record
Mailing Address	28 COTSWOLD LN, FALLING WATERS, WV 25419-1370
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 23, 2024	Deed, Transfer
Dec 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANK OF CHARLES TOWN
Sep 5, 2018	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 23, 2024 · Amount on Record
Deed Sale	Apr 23, 2024 · Amount on Record
Deed Document Number	20240012110
Deed Book / Page	1476 / 184
Record Updated	Jun 8, 2026

April 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	BERKELEY WV
Recording Date	Apr 23, 2024
Property Address	28 COTSWOLD LN, FALLING WATERS, WV 25419-1370
Document Number	001476/184
Book / Page	1476 / 184
Map Reference	PC 16 SL 181
Instrument Date	Apr 22, 2024
Instrument	20240012110
Transaction Type	Transfer
Record Updated	May 16, 2024

Transaction

Amount	Amount Recorded
Tax	$2,310.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 COTSWOLD LN, FALLING WATERS, WV 25419-1370

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERKELEY WV
Property Address	28 COTSWOLD LN, FALLING WATERS, WV 25419-1370
Transaction Type	Mortgage
Record Updated	Sep 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003619/307
Date	Dec 30, 2020
Book Page	3619/307
Instrument	20200042980

Lender

Name	BANK OF CHARLES TOWN
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	192 Months
Due	Jan 1, 2036

Interest

Rate Type	Fixed Rate

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERKELEY WV
Property Address	28 COTSWOLD LN, FALLING WATERS, WV 25419-1370
Transaction Type	Mortgage
Record Updated	Sep 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003297/292
Date	Sep 5, 2018
Book Page	3297/292
Instrument	20180033865

Lender

Name	CITIZENS BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2048

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Berkeley County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,763.00 (-48.94%)	$145,020 (+6.15%) Land $45,600 Building $99,420	$241,700 (+6.15%) Land $76,000 Building $165,700
2023	$3,453.00	$136,620 Land $38,940 Building $97,680	$227,700 Land $64,900 Building $162,800

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.

Flood

Source: FEMA National Flood Hazard Layer, effective July 7, 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 7 (15% 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	0.01% annual chance
Exposure	None beyond ember reach

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	BERKELEY COUNTY PSWD-POTOMAC RIVER serves 69,372 people · EPA ID WV3300218
Water Source	Surface water
Last State Inspection	Dec 2025
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	6 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 325 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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