Morgan County property record for 320 Finch Dr, Berkeley Springs, WV 25411
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,368 sqft · built 1991 |
| Lot Size | 1.61 acres (70,524 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $210,000 (Jul 2014) |
| Tax Bill | $1,455 (2026) |
| Deeds & Mortgages | Nov 2019 Refinance Oct 2020 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-2-0064.0000 |
| Primary APN | 02-2-0064.0000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,368 sqft Living Area |
| 1st Floor Area | 3,136 sqft |
| Basement Area | 800 sqft |
| Finished Basement | 800 sqft |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Architectural Style | Bi-Level |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 70,524 sqft (1.61 acres) |
| Terrain | Rolling |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 336 sqft |
|---|---|
| Porch | Porch |
| Porch Area | 192 sqft |
| Patio Area | 192 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 320 FINCH DR |
|---|---|
| City | BERKELEY SPRINGS |
| State | WV |
| Zip | 25411-6460 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | FAIRVIEW S/D SEC II LOT 11 1.619 AC |
| Legal Subdivision | FAIRVIEW S/D |
| Legal Lot Number | 11 |
| Jurisdiction | MORGAN WV |
| Township / Civil Division | 2 |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 970800 |
320 Finch Dr is owned and occupied by two individuals who bought it in July 2014.
Source: Morgan County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 320 FINCH DR, BERKELEY SPRINGS, WV 25411-6460 |
| 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.
| Date | Document |
|---|---|
| Nov 27, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance USAA FSB |
| Oct 9, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 14, 2014 · Amount on File |
| Deed Sale | Jul 14, 2014 · Amount on File |
| Deed Document Number | 2014820533 |
| Deed Book / Page | 249 / 782 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MORGAN WV |
| Property Address | 320 FINCH DR, BERKELEY SPRINGS, WV 25411-6460 |
| Transaction Type | Mortgage |
| Record Updated | Nov 15, 2022 |
| Name | Verified Name |
|---|
| Document Number | 000445/596 |
|---|---|
| Date | Nov 27, 2019 |
| Book Page | 445/596 |
| Instrument | 862220 |
| Name | USAA FSB |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MORGAN WV |
| Property Address | 320 FINCH DR, BERKELEY SPRINGS, WV 25411-6460 |
| Transaction Type | Mortgage |
| Record Updated | Nov 15, 2022 |
| Name | Verified Name |
|---|
| Document Number | 000457/638 |
|---|---|
| Date | Oct 9, 2020 |
| Book Page | 457/638 |
| Instrument | 870680 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2050 |
The 2026 property tax bill for 320 Finch Dr was $1,455 with a homeowner's exemption, up 8.2% from the year before.
Source: Morgan County assessment roll, as of November 18, 2025
| Type | Name |
|---|---|
| State | West Virginia |
| County | Morgan County |
| Unified School District | Morgan County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,455.00 (+8.18%) | $166,740 (+7.34%) Land $22,440 Building $144,300 | $277,900 (+7.34%) Land $37,400 Building $240,500 |
| 2025 | $1,345.00 Homeowner's exemption | $155,340 Land $22,440 Building $132,900 | $258,900 Land $37,400 Building $221,500 |
| 2023 | $1,197.00 (+1.18%) Homeowner's exemption | $139,680 (+1%) Land $20,580 Building $119,100 | $232,800 (+1%) Land $34,300 Building $198,500 |
| 2022 | $1,183.00 Homeowner's exemption | $138,300 Land $20,580 Building $117,720 | $230,500 Land $34,300 Building $196,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 320 Finch Dr in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1978.
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 | 1 in force |
| Nearby Flood Claims | 8 (1978–1996) |
| Claims Outside the SFHA | 4 of 8 |
| Most Recent Claim | Sep 1996 · Hurricane Fran And Associated Heavy Rains,flooding Highwind |
| Claims by Event |
|
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 320 Finch Dr is low, with a 0.02% 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 | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
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.
Source: FCC Broadband Data Collection, based on 55 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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