40 Stembogan Ct, Charles Town, WV 25414 Property Records

Jefferson County property record for 40 Stembogan Ct, Charles Town, WV 25414

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,962 sqft · built 2023
Lot Size	0.06 acres (2,614 sqft)
Owner	Trust Name on File
Tax Bill	$5,262 (2026)
Deeds & Mortgages	Oct 2025 Mortgage Oct 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-12C-0089.0000`

Property Details

APN / Parcel Number

Primary APN	`03-12C-0089.0000`
Alternative APN	`19-03-12C-0089.0000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,962 sqft Living Area
1st Floor Area	1,620 sqft
Basement Area	482 sqft
Finished Basement	482 sqft

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Architectural Style	Row Home
Exterior Material	Aluminum/Vinyl
Lot Area	2,614 sqft (0.06 acres)
Lot Dimensions	130 ft deep x 20 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	40 STEMBOGAN CT
City	CHARLES TOWN
State	WV
Zip	25414-1360
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PHASE 14-B LT #49 NORBORNE GLEBE
Legal Subdivision	NORBORNE GLEBE SUBDIVISION
Legal Lot Number	49
Jurisdiction	JEFFERSON WV
Township / Civil Division	KABLETOWN
Census Block Group	1
Census Block	1024
Census Tract	972506

Owner

40 Stembogan Ct, a single family home, is held in a trust.

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

Owner of Record	Trust Name on File
Mailing Address	24444 PERMIAN CIR, ALDIE, VA 20105-5507
Owner Type	Company
Vesting	Trust

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
Oct 14, 2025	Deed of Trust, Mortgage · Conventional Mortgage UNITED NATIONS FCU
Oct 20, 2023	Special Warranty Deed, Transfer · Conventional Mortgage LENNAR MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON WV
Property Address	40 STEMBOGAN CT, CHARLES TOWN, WV 25414-1360
Transaction Type	Mortgage
Record Updated	Nov 14, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	24444 PERMIAN CIR, ALDIE, VA 20105-5507

Mortgage

Document Number	002638/723
Date	Oct 14, 2025
Book Page	2638/723
Instrument	202500013261

Lender

Name	UNITED NATIONS FCU
Type	Credit Union
Address	MC LEAN, VA 22102

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Type Change Date	Nov 1, 2031
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10.8%
Index	SOFR Average 30-Day
Max Rate	10.8%

October 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	JEFFERSON WV
Recording Date	Oct 20, 2023
Property Address	40 STEMBOGAN CT, CHARLES TOWN, WV 25414-1360
Document Number	000026/445
Book / Page	26 / 445
Map Reference	MB 26 PG 445
Instrument Date	Oct 19, 2023
Instrument	202300012076
Transaction Type	Transfer
Record Updated	Nov 14, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,604.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Living Trust

Mortgage

Document Number	202300012077
Date	Oct 20, 2023
Instrument	202300012077

Lender

Name	LENNAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2053

Tax Assessment & Valuation

The 2026 property tax bill for 40 Stembogan Ct was $5,262.

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

Property Jurisdictions

Type	Name
State	West Virginia
County	Jefferson County
Municipality	Charles Town City
Unified School District	Jefferson County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,262.00	$190,900 Land $50,800 Building $140,100	$318,167 Land $84,667 Building $233,500

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

Flood

FEMA maps place 40 Stembogan Ct in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	6 in force
Nearby Flood Claims	2 (1996–1998)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Feb 1998 · other causes

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 40 Stembogan Ct is low, with a 0.01% 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	0.01% 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 185 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Glo Fiber.

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