384 Bennett Ln, Berkeley Springs, WV 25411 Property Records

Morgan County property record for 384 Bennett Ln, Berkeley Springs, WV 25411

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,512 sqft · built 1998
Lot Size	3.13 acres (136,430 sqft)
Owner	Company Name on File
Last Sale	$185,000 (Feb 2019)
Tax Bill	$1,333 (2026)
Deeds & Mortgages	Apr 2021 Mortgage Feb 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-5-0003.0008`

Property Details

APN / Parcel Number

Primary APN	`02-5-0003.0008`
Alternative APN	`33-02-5-0003.0008`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,512 sqft Living Area
1st Floor Area	3,024 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	136,430 sqft (3.13 acres)
Terrain	Rolling
Garage Type	Basement
Parking Spaces	2 Parking Spaces
Patio Area	280 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	384 BENNETT LN
City	BERKELEY SPRINGS
State	WV
Zip	25411-4706
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEELY PINE ESTATES LOT 8 3.132 AC
Legal Subdivision	SEELY PINE ESTATES
Legal Lot Number	8
Jurisdiction	MORGAN WV
Township / Civil Division	1
Census Block Group	2
Census Block	2001
Census Tract	970800

Owner

384 Bennett Ln is owned by a company that bought it in February 2019.

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

Owner of Record	Company Name on File
Mailing Address	384 BENNETT LN, BERKELEY SPRINGS, WV 25411-4706
Owner Type	Company

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

Deeds, Mortgages & Sale History

Date	Document
Apr 27, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Feb 28, 2019	Deed, Transfer · FHA Mortgage INTEGRITY HOME MORTGAGE CORP
Nov 13, 2017	Deed, Transfer SUMMIT COMMUNITY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 28, 2019 · Amount on File
Deed Sale	Feb 28, 2019 · Amount on File
Prior Sale	Nov 13, 2017 · Amount on File
Deed Document Number	2019854036
Deed Book / Page	269 / 413
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN WV
Property Address	384 BENNETT LN, BERKELEY SPRINGS, WV 25411-4706
Transaction Type	Mortgage
Record Updated	Nov 18, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000467/218
Date	Apr 27, 2021
Book Page	467/218
Instrument	876853

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	337 Months
Due	May 1, 2049

February 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	MORGAN WV
Recording Date	Feb 28, 2019
Property Address	384 BENNETT LN, BERKELEY SPRINGS, WV 25411-4706
Document Number	000269/413
Book / Page	269 / 413
Instrument Date	Feb 28, 2019
Instrument	854036
Transaction Type	Transfer
Record Updated	Nov 18, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
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	000437/320
Date	Feb 28, 2019
Book Page	437/320
Instrument	854037

Lender

Name	INTEGRITY HOME MORTGAGE CORP

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2049

November 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	MORGAN WV
Recording Date	Nov 13, 2017
Property Address	384 BENNETT LN, BERKELEY SPRINGS, WV 25411-4706
Document Number	000264/525
Book / Page	264 / 525
Instrument Date	Nov 10, 2017
Instrument	840937
Transaction Type	Transfer
Record Updated	Nov 18, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,401.40
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
Address	384 BENNETT LN, BERKELEY SPRINGS, WV 25411-4706

Mortgage

Document Number	000425/200
Date	Nov 13, 2017
Book Page	425/200
Instrument	840938

Lender

Name	SUMMIT COMMUNITY BANK
Type	Bank
Address	MOOREFIELD, WV 26836

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 384 Bennett Ln was $1,333, up 6% from the year before.

Source: Morgan County assessment roll, as of November 18, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,333.00 (+5.96%)	$134,460 (+6.26%) Land $34,380 Building $100,080	$224,100 (+6.26%) Land $57,300 Building $166,800
2025	$1,258.00	$126,540 Land $34,380 Building $92,160	$210,900 Land $57,300 Building $153,600
2023	$1,144.00 (-2.47%)	$114,420 (-2.46%) Land $31,560 Building $82,860	$190,700 (-2.46%) Land $52,600 Building $138,100
2022	$1,173.00	$117,300 Land $31,560 Building $85,740	$195,500 Land $52,600 Building $142,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 384 Bennett Ln in Zone X, an area of minimal flood risk, though there have been 32 flood claims nearby since 1985.

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
Flood Insurance Cost	Premium on File median of 16 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	32 (1985–2018)
Claims Outside the SFHA	5 of 32
Most Recent Claim	Aug 2018 · river or lake flooding
Claims by Event	Severe Storms, Flooding, Landslides, And Mudslides, Jun 2018 · 3 claims Hurricane Fran And Associated Heavy Rains,flooding Highwind, Sep 1996 · 4 claims Flooding, Jan 1996 · 7 claims

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

Wildfire risk around 384 Bennett Ln is low, with a 0.03% 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	0.03% 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 10 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

Cell Coverage

5G (outdoors only) and 4G LTE

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