407 E German St, Shepherdstown, WV 25443 Property Records

Jefferson County property record for 407 E German St, Shepherdstown, WV 25443

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,029 sqft · built 1900
Lot Size	0.115 acres (5,009 sqft)
Owner	Individual Name on Record
Last Sale	$260,000 (Sep 2019)
Tax Bill	$2,476 (2026)
Deeds & Mortgages	Jan 2021 Mortgage Sep 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-3-0135.0000`

Property Details

APN / Parcel Number

Primary APN	`10-3-0135.0000`
Alternative APN	`19-10-3-0135.0000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	2,029 sqft Living Area
1st Floor Area	1,254 sqft
Basement Area	524 sqft
Finished Basement	524 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Conventional
Exterior Material	Brick Veneer
Construction Type	Frame
Lot Area	5,009 sqft (0.115 acres)
Lot Dimensions	100 ft deep x 50 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	407 E GERMAN ST
City	SHEPHERDSTOWN
State	WV
Zip	25443-1659
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1 LT-RAY'S ADDITION
Jurisdiction	JEFFERSON WV
Township / Civil Division	SHEPHERDSTOWN
Census Block Group	1
Census Block	1008
Census Tract	972203

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	PO BOX 550, SHEPHERDSTOWN, WV 25443-0550
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage SIERRA PACIFIC MTG
Sep 16, 2019	Grant Deed, Transfer · Conventional Mortgage SIERRA PACIFIC MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 16, 2019 · Amount on Record
Deed Sale	Sep 16, 2019 · Amount on Record
Prior Sale	Apr 18, 2007 · Amount on Record
Deed Document Number	201911651
Deed Book / Page	1229 / 660
Last Transfer Date	Jun 23, 2023
Transfer Doc	0000007068
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON WV
Property Address	407 E GERMAN ST, SHEPHERDSTOWN, WV 25443-1659
Document Number	0000001678
Instrument Date	Jan 21, 2021
Transaction Type	Mortgage
Record Updated	Feb 18, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 E GERMAN ST SHEPHERDSTOWN WV 254431659, SHEPHERDSTOWN, WV 25443-1659

Mortgage

Document Number	0000001678
Date	Jan 27, 2021
Book Page	002343/000575
Instrument	1678

Lender

Name	SIERRA PACIFIC MTG
Type	Mortgage Company
Address	FOLSOM, CA 95630

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 26, 2051

September 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	JEFFERSON WV
Recording Date	Sep 16, 2019
Property Address	407 E GERMAN ST, SHEPHERDSTOWN, WV 25443-1659
Document Number	0000011651
Book / Page	001229 / 000660
Instrument Date	Aug 23, 2019
Instrument	11651
Transaction Type	Transfer
Record Updated	Sep 26, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,716.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	475 E GERMAN ST SHEPHERDSTOWN WV 25443, SHEPHERDSTOWN, WV 25443

Mortgage

Document Number	11652
Date	Sep 16, 2019
Book Page	002242/000048
Instrument	11652

Lender

Name	SIERRA PACIFIC MTG
Type	Mortgage Company
Address	FOLSOM, CA 95630

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 15, 2049

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	$2,476.00 (-0.64%)	$186,700 (-) Land $59,000 Building $127,700	$311,167 (-0.01%) Land $98,333 Building $212,833
2025	$2,492.00 (+5.95%)	$186,700 (+5.9%) Land $59,000 Building $127,700	$311,200 (+5.89%) Land $98,400 Building $212,800
2023	$2,352.00	$176,300 Land $59,000 Building $117,300	$293,900 Land $98,400 Building $195,500

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

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.

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