38 Sharp St, Harpers Ferry, WV 25425 Property Records

Jefferson County property record for 38 Sharp St, Harpers Ferry, WV 25425

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 4,491 sqft · built 1998
Lot Size	1.41 acres (61,420 sqft)
Owner	2 Individual Names on Record
Last Sale	$389,000 (Apr 2011)
Tax Bill	$4,223 (2026)
Deeds & Mortgages	Feb 2026 Mortgage Jan 2024 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-5C-0001.0000`

Property Details

APN / Parcel Number

Primary APN	`04-5C-0001.0000`
Alternative APN	`19-04-5C-0001.0000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	4,491 sqft Living Area
1st Floor Area	3,261 sqft
Basement Area	1,230 sqft
Finished Basement	1,230 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Lot Area	61,420 sqft (1.41 acres)
Terrain	Rolling

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	38 SHARP ST
City	HARPERS FERRY
State	WV
Zip	25425-3163
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 1 MEADOW BROOK
Legal Subdivision	MEADOW BROOK SUBDIVISION
Legal Lot Number	1
Jurisdiction	JEFFERSON WV
Township / Civil Division	HARPERS FERRY
Census Block Group	3
Census Block	3003
Census Tract	972602

Owner

Source: Jefferson 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	38 SHARP ST, HARPERS FERRY, WV 25425-3163
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 19, 2026	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Jan 18, 2024	Deed, Transfer · VA Mortgage ROCKET MORTGAGE LLC
Nov 2, 2022	Deed of Trust, Mortgage · VA Mortgage USAA FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 11, 2011 · Amount on Record
Deed Sale	Apr 11, 2011 · Amount on Record
Prior Sale	Jun 26, 2006 · Amount on Record
Deed Document Number	20119418
Deed Book / Page	1091 / 746
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON WV
Property Address	38 SHARP ST, HARPERS FERRY, WV 25425-3163
Transaction Type	Mortgage
Record Updated	Mar 19, 2026
Title Company	ROCKET CLOSE LLC RESIDENTIAL

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 SHARP ST, HARPERS FERRY, WV 25425-3163

Mortgage

Document Number	002664/175
Date	Feb 19, 2026
Book Page	2664/175
Instrument	202600002243

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

January 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	JEFFERSON WV
Recording Date	Jan 18, 2024
Property Address	38 SHARP ST, HARPERS FERRY, WV 25425-3163
Document Number	001316/400
Book / Page	1316 / 400
Map Reference	MB 14 PG 85
Instrument Date	Jan 10, 2024
Instrument	202400000683
Transaction Type	Transfer
Record Updated	Feb 2, 2024
Title Company	CARDINAL TITLE GROUP LLC, CARDINAL TITLE PLLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,940.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship

Mortgage

Document Number	202400000684
Date	Jan 18, 2024
Instrument	202400000684

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2054

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON WV
Property Address	38 SHARP ST, HARPERS FERRY, WV 25425-3163
Transaction Type	Mortgage
Record Updated	Nov 17, 2022
Title Company	BOSTON NATIONAL TTL AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 SHARP ST, HARPERS FERRY, WV 25425-3163

Mortgage

Document Number	002485/277
Date	Nov 2, 2022
Book Page	2485/277
Instrument	202200014886

Lender

Name	USAA FSB
Type	Bank
Address	SAN ANTONIO, TX 78288

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2052

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	$4,223.00 (+4.5%)	$366,200 (+5.29%) Land $76,000 Building $290,200	$610,333 (+5.3%) Land $126,667 Building $483,667
2025	$4,041.00 (+13%)	$347,800 (+13.59%) Land $60,900 Building $286,900	$579,600 (+13.56%) Land $101,500 Building $478,100
2023	$3,576.00	$306,200 Land $60,900 Building $245,300	$510,400 Land $101,500 Building $408,900

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	2 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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	WVAW - WALNUT GROVE UTILITIES private · serves 7,250 people · EPA ID WV3301942
Water Source	Groundwater influenced by surface water
Last State Inspection	Oct 2023
Lead	3 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Failure to filter resolved · Jun 2017 Treatment failure resolved · Jun 2017
Treatment and Procedure	Sanitary survey deficiency not corrected Apr 2018
Monitoring and Reporting	4 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 88 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
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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