403 E German St, Shepherdstown, WV 25443 Property Records

Jefferson County property record for 403 E German St, Shepherdstown, WV 25443

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,008 sqft · built 1993
Lot Size	0.172 acres (7,492 sqft)
Owner	Individual Name on Record
Last Sale	$325,000 (Feb 2026)
Tax Bill	$1,794 (2026)
Deeds & Mortgages	Feb 2026 Mortgage Oct 2025 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`10-3-0132.0000`

Property Details

APN / Parcel Number

Primary APN	`10-3-0132.0000`
Alternative APN	`19-10-3-0132.0000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,008 sqft Living Area
1st Floor Area	2,016 sqft

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Lot Area	7,492 sqft (0.172 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Terrain	Rolling

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	403 E GERMAN ST
City	SHEPHERDSTOWN
State	WV
Zip	25443
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1 LT-E GERMAN ST
Jurisdiction	JEFFERSON WV
Township / Civil Division	SHEPHERDSTOWN
Census Block Group	1
Census Block	1008
Census Tract	972203

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Shepherdstown Historic District (Boundary Increase) listed 1987 · 176 contributing resources · NRIS 87001205

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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	Individual Name on Record
Mailing Address	403 E GERMAN ST, SHEPHERDSTOWN, WV 25443
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 17, 2026	Deed of Trust, Mortgage · Conventional Mortgage POTOMAC BANK INC
Oct 2, 2025	Deed, Foreclosure · Line of Credit RIDGECREST INVESTMENTS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 17, 2026 · Amount on Record
Deed Sale	Feb 17, 2026 · Amount on Record
Prior Sale	Oct 2, 2025 · Amount on Record
Deed Document Number	20262097
Deed Book / Page	1367 / 688
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON WV
Property Address	403 E GERMAN ST, SHEPHERDSTOWN, WV 25443
Transaction Type	Mortgage
Record Updated	Mar 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	201 N PRINCESS ST, SHEPHERDSTOWN, WV 25443-1232

Mortgage

Document Number	002663/648
Date	Feb 17, 2026
Book Page	2663/648
Instrument	202600002098

Lender

Name	POTOMAC BANK INC
Type	Bank
Address	CHARLES TOWN, WV 25414

Agreement

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

October 2025: Deed, Foreclosure

Document Type	Deed
Jurisdiction	JEFFERSON WV
Recording Date	Oct 2, 2025
Property Address	403 E GERMAN ST, SHEPHERDSTOWN, WV 25443
Document Number	001357/242
Book / Page	1357 / 242
Instrument Date	Sep 30, 2025
Instrument	202500012775
Transaction Type	Foreclosure
Record Updated	Oct 21, 2025

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$980.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	446 EAGLE SCHOOL RD, MARTINSBURG, WV 25404-3372

Mortgage

Document Number	202500012776
Date	Oct 2, 2025
Instrument	202500012776

Lender

Name	RIDGECREST INVESTMENTS INC
Type	Non-Lending Institution

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,794.00 (-1.21%)	$135,300 (-0.59%) Land $72,000 Building $63,300	$225,500 (-0.57%) Land $120,000 Building $105,500
2025	$1,816.00 (+3.48%)	$136,100 (+3.97%) Land $72,000 Building $64,100	$226,800 (+3.94%) Land $120,000 Building $106,800
2024	$1,755.00 (+0.46%)	$130,900 (-) Land $72,000 Building $58,900	$218,200 (-) Land $120,000 Building $98,200
2023	$1,747.00	$130,900 Land $72,000 Building $58,900	$218,200 Land $120,000 Building $98,200

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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
Flood Insurance Cost	Premium on Record median of 13 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	13 in force
Nearby Flood Claims	10 (1985–2025)
Claims Outside the SFHA	3 of 10
Most Recent Claim	May 2025 · rainfall accumulation
Claims by Event	Hurricane Fran And Associated Heavy Rains,flooding Highwind, Sep 1996 · 3 claims Flooding, Jan 1996 · 3 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

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CORPORATION OF SHEPHERDSTOWN serves 4,300 people · EPA ID WV3301933
Water Source	Surface water
Last State Inspection	Dec 2024
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 199 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: AT&T, Glo Fiber.

Nearby Properties on E German St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures