Jefferson County property record for 48 Oak Tree Rd, Kearneysville, WV 25430
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 2,075 sqft · built 2007 |
| Lot Size | 2.5 acres (108,900 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $375,000 (Dec 2021) |
| Tax Bill | $2,439 (2025) |
| Deeds & Mortgages | May 2021 Mortgage Oct 2025 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-4-0007.0000 |
| Primary APN | 07-4-0007.0000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,075 sqft Living Area |
| 1st Floor Area | 3,503 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 108,900 sqft (2.5 acres) |
| Terrain | Rolling |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Street Address | 48 OAK TREE RD |
|---|---|
| City | KEARNEYSVILLE |
| State | WV |
| Zip | 25430-9400 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 2.50 AC-HAZELFIELD,GOENS |
| Jurisdiction | JEFFERSON WV |
| Township / Civil Division | MIDDLEWAY |
| Census Block Group | 1 |
| Census Block | 1027 |
| Census Tract | 972300 |
Source: Jefferson 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 | 2 Company Names on Record |
|---|---|
| Mailing Address | 48 OAK TREE RD, KEARNEYSVILLE, WV 25430-9400 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
| Date | Document |
|---|---|
| May 7, 2021 | Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU |
| Oct 22, 2025 | Intrafamily Transfer, Transfer |
| Dec 14, 2021 | Deed, Transfer · Conventional Mortgage EMBRACE HOME LOANS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 14, 2021 · Amount on Record |
| Deed Sale | Dec 14, 2021 · Amount on Record |
| Deed Document Number | 202120918 |
| Deed Book / Page | 1272 / 672 |
| Last Transfer Date | Oct 7, 2025 |
| Transfer Doc | 001358/554 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JEFFERSON WV |
| Property Address | 48 OAK TREE RD, KEARNEYSVILLE, WV 25430-9400 |
| Transaction Type | Mortgage |
| Record Updated | Nov 13, 2025 |
| Name | Verified Name |
|---|---|
| Address | 48 OAK TREE RD, KEARNEYSVILLE, WV 25430-9400 |
| Document Number | 002374/720 |
|---|---|
| Date | May 7, 2021 |
| Book Page | 2374/720 |
| Instrument | 202100007992 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jun 1, 2036 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | JEFFERSON WV |
| Recording Date | Oct 22, 2025 |
| Property Address | 48 OAK TREE RD, KEARNEYSVILLE, WV 25430-9400 |
| Document Number | 001358/554 |
| Book / Page | 1358 / 554 |
| Instrument Date | Oct 7, 2025 |
| Instrument | 202500013773 |
| Transaction Type | Transfer |
| Record Updated | Nov 13, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 48 OAK TREE RD, KEARNEYSVILLE, WV 25430-9400 |
| Document Type | Deed |
|---|---|
| Jurisdiction | JEFFERSON WV |
| Recording Date | Dec 14, 2021 |
| Property Address | 48 OAK TREE RD, KEARNEYSVILLE, WV 25430-9400 |
| Document Number | 001272/672 |
| Book / Page | 1272 / 672 |
| Instrument Date | Dec 8, 2021 |
| Instrument | 202100020918 |
| Transaction Type | Transfer |
| Record Updated | Nov 13, 2025 |
| Title Company | E-CHICAGO TITLE, CHICAGO TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,837.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Document Number | 202100020919 |
|---|---|
| Date | Dec 14, 2021 |
| Instrument | 202100020919 |
| Name | EMBRACE HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2052 |
Source: Jefferson County assessment roll, as of November 14, 2025
| Type | Name |
|---|---|
| State | West Virginia |
| County | Jefferson County |
| Unified School District | Jefferson County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,439.00 (+9.72%) | $209,900 (+10.24%) Land $63,700 Building $146,200 | $349,700 (+10.18%) Land $106,100 Building $243,600 |
| 2023 | $2,223.00 | $190,400 Land $69,800 Building $120,600 | $317,400 Land $116,400 Building $201,000 |
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 July 23, 2024
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; 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: EPA Safe Drinking Water Information System, as of September 2026
| Water System | WVAW - WALNUT GROVE UTILITIES private · serves 7,250 people · EPA ID WV3301942 |
|---|---|
| Water Source | Groundwater influenced by surface water |
| Last State Inspection | Oct 2023 |
| Lead | 3 ppb (2025) action level 15 ppb |
| Water Quality | Failure to filter resolved · Jun 2017 Treatment failure resolved · Jun 2017 |
|---|---|
| Treatment and Procedure | Sanitary survey deficiency not corrected Apr 2018 |
| Monitoring and Reporting | 4 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.
Source: FCC Broadband Data Collection, based on 29 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 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
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