Jefferson County property record for 39 Silver Spring Rd, Shepherdstown, WV 25443
| Property Type | Rural Home |
|---|---|
| Details | 5 bd · 4.5 ba · 3,938 sqft · built 2024 |
| Lot Size | 8.54 acres (372,002 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $279,000 (May 2023) |
| Tax Bill | $5,346 (2026) |
| Deeds & Mortgages | Jul 2023 Construction Loan May 2023 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-2-0007.0003 |
| Primary APN | 09-2-0007.0003 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 17 Plumbing Fixtures |
| Total Rooms | 12 Rooms |
| Stories | 1 Story |
| Building Area | 3,938 sqft Building Perimeter |
| 1st Floor Area | 1,224 sqft |
| Basement Area | 425 sqft |
| Finished Basement | 425 sqft |
| Fireplaces | 2 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 2024 |
|---|---|
| Effective Year Built | Effective 2024 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Lot Area | 372,002 sqft (8.54 acres) |
| Terrain | Rolling |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 39 SILVER SPRING RD |
|---|---|
| City | SHEPHERDSTOWN |
| State | WV |
| Zip | 25443-4925 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | LOT 3 (8.54 AC) LEONARD |
| Legal Subdivision | LEONARD |
| Legal Lot Number | 3 |
| Jurisdiction | JEFFERSON WV |
| Township / Civil Division | SHEPHERDSTOWN |
| Census Block Group | 3 |
| Census Block | 3020 |
| Census Tract | 972201 |
39 Silver Spring Rd, a rural home, is owned and occupied by two individuals who bought it in May 2023.
Source: Jefferson County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 39 SILVER SPRING RD, SHEPHERDSTOWN, WV 25443-4925 |
| 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 |
|---|---|
| Jul 13, 2023 | Deed of Trust, Mortgage · Construction Mortgage FARMERS & MERCHANTS TRUST CO |
| May 31, 2023 | Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 31, 2023 · Amount on File |
| Deed Sale | May 31, 2023 · Amount on File |
| Deed Document Number | 20236061 |
| Deed Book / Page | 1302 / 89 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JEFFERSON WV |
| Property Address | 39 SILVER SPRING RD, SHEPHERDSTOWN, WV 25443-4925 |
| Transaction Type | Mortgage |
| Record Updated | Nov 14, 2025 |
| Name | Verified Name |
|---|---|
| Address | 706 WILLIS RD, SPARTANBURG, SC 29301-5323 |
| Document Number | 002511/670 |
|---|---|
| Date | Jul 13, 2023 |
| Book Page | 2511/670 |
| Instrument | 202300007703 |
| Name | FARMERS & MERCHANTS TRUST CO |
|---|---|
| Type | Bank |
| Address | CHAMBERSBURG, PA 17201 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 372 Months |
| Due | Jul 1, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.62% |
| Type Change Date | Jul 1, 2039 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 10.6% |
| Index | SOFR Average 30-Day |
| Margin | 3 |
| Max Rate | 10.6% |
| Document Type | Deed |
|---|---|
| Jurisdiction | JEFFERSON WV |
| Recording Date | May 31, 2023 |
| Property Address | 39 SILVER SPRING RD, SHEPHERDSTOWN, WV 25443-4925 |
| Document Number | 0001302/89 |
| Book / Page | 1302 / 89 |
| Map Reference | MB 25 PG 553 |
| Instrument Date | May 25, 2023 |
| Instrument | 202300006061 |
| Transaction Type | Transfer |
| Record Updated | Nov 14, 2025 |
| Amount | Amount on Record |
|---|---|
| Tax | $1,367.10 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 706 WILLIS RD, SPARTANBURG, SC 29301-5323 |
The 2026 property tax bill for 39 Silver Spring Rd was $5,346, up 0.2% from the year before.
Source: Jefferson County assessment roll, as of November 14, 2025
| Type | Name |
|---|---|
| State | West Virginia |
| County | Jefferson County |
| Unified School District | Jefferson County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,346.00 (+0.24%) | $463,600 (+1%) Land $91,700 Building $371,900 | $772,667 (+0.99%) Land $152,833 Building $619,833 |
| 2025 | $5,333.00 | $459,000 Land $87,100 Building $371,900 | $765,100 Land $145,200 Building $619,900 |
| 2023 | $18.00 | $1,600 Land $1,600 | $2,600 Land $2,600 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 39 Silver Spring Rd in Zone X, an area of minimal flood risk.
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 | 3 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 risk around 39 Silver Spring Rd 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: FCC Broadband Data Collection, based on 16 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Verizon Fixed Wireless | 25 / 6 |
| Frontier DSL | 10 / 1 |
4G LTE (outdoors only), no 5G reported
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