357 Lady Bug Ln, Kearneysville, WV 25430 Property Records

Jefferson County property record for 357 Lady Bug Ln, Kearneysville, WV 25430

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,874 sqft · built 2016
Lot Size	3 acres (130,680 sqft)
Owner	2 Individual Names on Record
Last Sale	$75,000 (Sep 2005)
Tax Bill	$3,008 (2026)
Deeds & Mortgages	Sep 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-18-0015.0006`

Property Details

APN / Parcel Number

Primary APN	`07-18-0015.0006`
Alternative APN	`19-07-18-0015.0006`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,874 sqft Living Area
1st Floor Area	2,340 sqft
Basement Area	250 sqft
Finished Basement	250 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Lot Area	130,680 sqft (3 acres)
Terrain	Rolling

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Street Address	357 LADY BUG LN
City	KEARNEYSVILLE
State	WV
Zip	25430-3841
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT A (3 AC) LANE
Legal Subdivision	LANE SUBDIVISION
Legal Lot Number	A
Jurisdiction	JEFFERSON WV
Township / Civil Division	MIDDLEWAY
Census Block Group	3
Census Block	3004
Census Tract	972300

Owner

Source: Jefferson County records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	357 LADY BUG LN, KEARNEYSVILLE, WV 25430-3841
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 1, 2005 · Amount on Record
Deed Sale	Sep 1, 2005 · Amount on Record
Deed Document Number	200523808
Deed Book / Page	1013 / 645
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON WV
Property Address	357 LADY BUG LN, KEARNEYSVILLE, WV 25430-3841
Transaction Type	Mortgage
Record Updated	Oct 13, 2021
Title Company	BESTON NATIONAL TITLE AGENCY LLC, BOSTON NATIONAL TTL AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	357 LADY BUG LN, KEARNEYSVILLE, WV 25430-3841

Mortgage

Document Number	2413/386
Date	Sep 29, 2021
Book Page	2413/386
Instrument	202100016213

Lender

Name	DEPARTMENT OF COMMERCE FCU
Type	Credit Union
Address	WASHINGTON, DC 20230

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

Tax Assessment & Valuation

Source: Jefferson County assessment roll, as of November 14, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,008.00 (+0.07%)	$260,800 (+0.81%) Land $63,800 Building $197,000	$434,667 (+0.83%) Land $106,333 Building $328,333
2025	$3,006.00 (+7.01%)	$258,700 (+7.57%) Land $59,400 Building $199,300	$431,100 (+7.53%) Land $99,000 Building $332,100
2023	$2,809.00	$240,500 Land $55,300 Building $185,200	$400,900 Land $92,200 Building $308,700

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 July 23, 2024 · 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	8 in force
Nearby Flood Claims	1 (2018)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2018 · rainfall accumulation

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 15 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