Morgan County property record for 403 Spring Valley Dr, Berkeley Springs, WV 25411
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 2,628 sqft · built 2018 |
| Lot Size | 5.02 acres (218,671 sqft) |
| Owner | Individual Name on File |
| Last Sale | $36,000 (Sep 2016) |
| Tax Bill | $2,698 (2026) |
| Deeds & Mortgages | Apr 2021 Mortgage Nov 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-10-0042.0019 |
| Primary APN | 02-10-0042.0019 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 2,628 sqft Living Area |
| 1st Floor Area | 2,868 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Architectural Style | Other |
| Construction Type | Frame |
| Lot Area | 218,671 sqft (5.02 acres) |
| Terrain | Rolling |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 403 SPRING VALLEY DR |
|---|---|
| City | BERKELEY SPRINGS |
| State | WV |
| Zip | 25411-6122 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SPRING VALLEY S/D SEC B LOT 20 5.02 AC |
| Legal Subdivision | SPRING VALLEY S/D |
| Legal Lot Number | 20 |
| Jurisdiction | MORGAN WV |
| Township / Civil Division | 2 |
| Census Block Group | 1 |
| Census Block | 1031 |
| Census Tract | 970701 |
Source: Morgan County records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 403 SPRING VALLEY DR, BERKELEY SPRINGS, WV 25411-6122 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 5, 2021 | Deed of Trust, Mortgage · VA Mortgage CNB BANK |
| Nov 17, 2017 | Deed of Trust, Mortgage · ARM CNB BANK INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 6, 2016 · Amount on File |
| Deed Sale | Sep 6, 2016 · Amount on File |
| Deed Document Number | 2016833633 |
| Deed Book / Page | 259 / 65 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MORGAN WV |
| Property Address | 403 SPRING VALLEY DR, BERKELEY SPRINGS, WV 25411-6122 |
| Transaction Type | Mortgage |
| Record Updated | May 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 466/236 |
|---|---|
| Date | Apr 5, 2021 |
| Book Page | 466/236 |
| Instrument | 876248 |
| Name | CNB BANK |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MORGAN WV |
| Property Address | 403 SPRING VALLEY DR, BERKELEY SPRINGS, WV 25411-6122 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 425/356 |
|---|---|
| Date | Nov 17, 2017 |
| Book Page | 425/356 |
| Instrument | 841007 |
| Name | CNB BANK INC |
|---|---|
| Type | Bank |
| Address | BERKELEY SPRINGS, WV 25411 |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 373 Months |
| Due | Dec 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.49% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jan 12, 2025 |
| Change Frequency | Annually |
| Min Rate At Change | 4.49% |
| Max Rate At Change | 6.24% |
| Index | 1-Year CMT |
| Max Rate | 9.49% |
Source: Morgan County assessment roll, as of November 18, 2025
| Type | Name |
|---|---|
| State | West Virginia |
| County | Morgan County |
| Unified School District | Morgan County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,698.00 (+7.11%) | $272,160 (+7.39%) Land $34,380 Building $237,780 | $453,600 (+7.39%) Land $57,300 Building $396,300 |
| 2025 | $2,519.00 (+11.51%) | $253,440 (+12.25%) Land $34,380 Building $219,060 | $422,400 (+12.25%) Land $57,300 Building $365,100 |
| 2023 | $2,259.00 (+1.03%) | $225,780 (+1.02%) Land $31,560 Building $194,220 | $376,300 (+1.02%) Land $52,600 Building $323,700 |
| 2022 | $2,236.00 | $223,500 Land $31,560 Building $191,940 | $372,500 Land $52,600 Building $319,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 4 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 63% of the US · above 48% 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.
Source: FCC Broadband Data Collection, based on 36 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| Frontier DSL | 10 / 1 |
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