421 Highview Ln, Berkeley Springs, WV 25411 Property Records

Morgan County property record for 421 Highview Ln, Berkeley Springs, WV 25411

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,120 sqft · built 1995
Lot Size	2.07 acres (90,300 sqft)
Owner	Individual Name on Record
Last Sale	$189,000 (Nov 2020)
Tax Bill	$1,355 (2026)
Deeds & Mortgages	May 2026 Mortgage Apr 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-12-0133.0000`

Property Details

APN / Parcel Number

Primary APN	`08-12-0133.0000`
Alternative APN	`33-08-12-0133.0000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,120 sqft Living Area
1st Floor Area	2,240 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Modern
Exterior Material	Aluminum/Vinyl
Lot Area	90,300 sqft (2.07 acres)
Terrain	Steep
Garage Area	624 sqft
Porch	Porch
Porch Area	320 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	421 HIGHVIEW LN
City	BERKELEY SPRINGS
State	WV
Zip	25411-7314
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OAK FOREST S/D SEC IV LOT 83 2.073 AC
Legal Subdivision	OAK FOREST S/D
Legal Lot Number	83
Jurisdiction	MORGAN WV
Township / Civil Division	1
Census Block Group	2
Census Block	2006
Census Tract	971001

Owner

Source: Morgan 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	421 HIGHVIEW LN, BERKELEY SPRINGS, WV 25411-7314
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 4, 2026	Deed of Trust, Mortgage · Conventional Mortgage CITY NATIONAL BANK/WV
Apr 7, 2021	Deed of Trust, Mortgage · Line of Credit CNB BANK
Nov 23, 2020	Deed, Transfer · FHA Mortgage RESIDENTIAL MORTGAGE SERVICES

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 23, 2020 · Amount on Record
Deed Sale	Nov 23, 2020 · Amount on Record
Deed Document Number	2020871678
Deed Book / Page	278 / 641
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN WV
Recording Date	May 4, 2026
Property Address	421 HIGHVIEW LN, BERKELEY SPRINGS, WV 25411-7314
Document Number	0000917872
Book / Page	533 / 856
Instrument Date	Apr 13, 2026
Instrument	2026917872
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	421 HIGHVIEW LN, BERKELEY SPRINGS, WV 25411-7314

Mortgage

Document Number	0000917872,
Date	May 4, 2026
Book Page	533/856
Instrument	2026917872

Lender

Name	CITY NATIONAL BANK/WV

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Apr 17, 2036

Interest

Rate Type	Fixed Rate
Rate	6.11%
Initial Type	Fixed Rate
Max Rate	-1%

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN WV
Property Address	421 HIGHVIEW LN, BERKELEY SPRINGS, WV 25411-7314
Transaction Type	Mortgage
Record Updated	May 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	466/414
Date	Apr 7, 2021
Book Page	466/414
Instrument	876341

Lender

Name	CNB BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	229 Months
Due	May 1, 2040

Interest

Rate Type	Adjustable Rate

November 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	MORGAN WV
Recording Date	Nov 23, 2020
Property Address	421 HIGHVIEW LN, BERKELEY SPRINGS, WV 25411-7314
Document Number	278/641
Book / Page	278 / 641
Instrument Date	Nov 17, 2020
Instrument	871678
Transaction Type	Transfer
Record Updated	Nov 2, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	421 HIGHVIEW LN, BERKELEY SPRINGS, WV 25411-7314

Mortgage

Document Number	871679
Date	Nov 23, 2020
Instrument	871679

Lender

Name	RESIDENTIAL MORTGAGE SERVICES
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Morgan County assessment roll, as of November 18, 2025

Property Jurisdictions

Type	Name
State	West Virginia
County	Morgan County
Unified School District	Morgan County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,355.00 (+4.88%)	$136,680 (+5.12%) Land $26,280 Building $110,400	$227,800 (+5.12%) Land $43,800 Building $184,000
2025	$1,292.00 (+14.64%)	$130,020 (+15.39%) Land $26,280 Building $103,740	$216,700 (+15.39%) Land $43,800 Building $172,900
2023	$1,127.00 (+0.71%)	$112,680 (+0.7%) Land $24,120 Building $88,560	$187,800 (+0.7%) Land $40,200 Building $147,600
2022	$1,119.00	$111,900 Land $24,120 Building $87,780	$186,500 Land $40,200 Building $146,300

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 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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 64% of the US · above 47% of West Virginia
Wildfire Likelihood	0.04% 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 28 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000

May also be available: Verizon.

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