Berkeley County property record for 432 Pepper Tree Rd, Falling Waters, WV 25419
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1 ba · 968 sqft · built 1988 |
| Lot Size | 5 acres (217,800 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $106,000 (Aug 2024) |
| Tax Bill | $664 (2025) |
| Deeds & Mortgages | Jun 2019 Mortgage Dec 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-6-0036.0006 |
| Primary APN | 02-6-0036.0006 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 968 sqft Living Area |
| 1st Floor Area | 968 sqft |
| Year Built | Built 1988 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 217,800 sqft (5 acres) |
| Terrain | Rolling |
| Porch | Porch |
| Porch Area | 160 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 07104803 |
|---|---|
| Street Address | 432 PEPPER TREE RD |
| City | FALLING WATERS |
| State | WV |
| Zip | 25419-4905 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 5 ACRES SAMS PLACE |
| Jurisdiction | BERKELEY WV |
| Township / Civil Division | POTOMAC |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 971104 |
Source: Berkeley County records, as of November 14, 2025
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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 432 PEPPER TREE RD, FALLING WATERS, WV 25419-4905 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 12, 2019 | Deed of Trust, Mortgage · Conventional Mortgage CITY NATIONAL BANK |
| Dec 22, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FIRST UNITED BANK & TRUST CO |
| Nov 1, 2019 | Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 6, 2024 · Amount on Record |
| Deed Sale | Aug 6, 2024 · Amount on Record |
| Prior Sale | Nov 1, 2019 · Amount on Record |
| Deed Document Number | 20240023439 |
| Deed Book / Page | 1490 / 74 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERKELEY WV |
| Property Address | 432 PEPPER TREE RD, FALLING WATERS, WV 25419-4905 |
| Transaction Type | Mortgage |
| Record Updated | Sep 8, 2022 |
| Name | Verified Name |
|---|
| Document Number | 003373/693 |
|---|---|
| Date | Jun 12, 2019 |
| Book Page | 3373/693 |
| Instrument | 20190017518 |
| Name | CITY NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERKELEY WV |
| Property Address | 432 PEPPER TREE RD, FALLING WATERS, WV 25419-4905 |
| Transaction Type | Mortgage |
| Record Updated | Sep 8, 2022 |
| Name | Verified Name |
|---|
| Document Number | 003614/284 |
|---|---|
| Date | Dec 22, 2020 |
| Book Page | 3614/284 |
| Instrument | 20200042096 |
| Name | FIRST UNITED BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | BERKELEY WV |
| Recording Date | Nov 1, 2019 |
| Property Address | 432 PEPPER TREE RD, FALLING WATERS, WV 25419-4905 |
| Document Number | 001267/571 |
| Book / Page | 1267 / 571 |
| Map Reference | DB 410 PG 1986 |
| Instrument Date | Oct 30, 2019 |
| Instrument | 20190033133 |
| Transaction Type | Transfer |
| Record Updated | Sep 8, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $346.50 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 432 PEPPER TREE RD, FALLING WATERS, WV 25419-4905 |
Source: Berkeley County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | West Virginia |
| County | Berkeley County |
| Unified School District | Berkeley County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $664.00 (-0.6%) | $54,670 (+3.4%) Land $20,350 Building $34,320 | $91,100 (+3.41%) Land $33,900 Building $57,200 |
| 2023 | $668.00 | $52,870 Land $18,490 Building $34,380 | $88,100 Land $30,800 Building $57,300 |
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.
Source: FEMA National Flood Hazard Layer, effective July 7, 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 7 (15% premium discount) |
| Nearby Flood Policies | 2 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 80% of the US · lower than 79% of West Virginia |
|---|---|
| Wildfire Likelihood | 0.02% 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 73 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Xfinity Cable | 2,000 / 250 |
| Starlink Satellite | 280 / 30 |
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