4226 Cold Run Valley Rd, Berkeley Springs, WV 25411 Property Records

Morgan County property record for 4226 Cold Run Valley Rd, Berkeley Springs, WV 25411

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,328 sqft · built 1993
Lot Size	2.21 acres (96,268 sqft)
Owner	2 Individual Names on Record
Last Sale	$300,000 (Oct 2020)
Tax Bill	$2,095 (2026)
Deeds & Mortgages	Apr 2020 Refinance Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-1-0006.0001`

Property Details

APN / Parcel Number

Primary APN	`06-1-0006.0001`
Alternative APN	`33-06-1-0006.0001`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,328 sqft Living Area
1st Floor Area	2,328 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Modern
Exterior Material	Brick
Construction Type	Brick
Lot Area	96,268 sqft (2.21 acres)
Terrain	Rolling

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4226 COLD RUN VALLEY RD
City	BERKELEY SPRINGS
State	WV
Zip	25411-4641
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SIR JOHNS VALLEY 2.21 AC
Jurisdiction	MORGAN WV
Township / Civil Division	2
Census Block Group	2
Census Block	2020
Census Tract	971002

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	2 Individual Names on Record
Mailing Address	4226 COLD RUN VALLEY RD, BERKELEY SPRINGS, WV 25411-4641
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 17, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance CITY NATIONAL BANK
Oct 16, 2020	Deed, Transfer · Stand-Alone First Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 16, 2020 · Amount on Record
Deed Sale	Oct 16, 2020 · Amount on Record
Deed Document Number	2020870881
Deed Book / Page	278 / 132
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN WV
Property Address	4226 COLD RUN VALLEY RD, BERKELEY SPRINGS, WV 25411-4641
Transaction Type	Mortgage
Record Updated	Nov 18, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000450/276
Date	Apr 17, 2020
Book Page	450/276
Instrument	865907

Lender

Name	CITY NATIONAL BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

October 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	MORGAN WV
Recording Date	Oct 16, 2020
Property Address	4226 COLD RUN VALLEY RD, BERKELEY SPRINGS, WV 25411-4641
Document Number	000278/132
Book / Page	278 / 132
Instrument Date	Oct 14, 2020
Instrument	870881
Transaction Type	Transfer
Record Updated	Nov 18, 2025

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
Relationship	Joint Tenants with Right of Survivorship
Address	COLD RUN VALLEY RD, BERKELEY SPRINGS, WV 25411

Mortgage

Document Number	0000458/33
Date	Oct 16, 2020
Book Page	458/33
Instrument	870882

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

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	$2,095.00 (+8.05%)	$231,300 (+7.56%) Land $25,200 Building $206,100	$385,500 (+7.56%) Land $42,000 Building $343,500
2025	$1,939.00 (+0.26%) Homeowner's exemption	$215,040 (+11.2%) Land $25,200 Building $189,840	$358,400 (+11.2%) Land $42,000 Building $316,400
2023	$1,934.00 (-4.26%)	$193,380 (-4.25%) Land $23,160 Building $170,220	$322,300 (-4.25%) Land $38,600 Building $283,700
2022	$2,020.00	$201,960 Land $23,160 Building $178,800	$336,600 Land $38,600 Building $298,000

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	6 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 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Frontier, Xfinity.

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