48 Rams Ct, Shepherdstown, WV 25443 Property Records

Jefferson County property record for 48 Rams Ct, Shepherdstown, WV 25443

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,417 sqft · built 2005
Lot Size	0.297 acres (12,937 sqft)
Owner	2 Individual Names on File
Last Sale	$336,110 (May 2005)
Tax Bill	$2,670 (2026)
Deeds & Mortgages	Aug 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-8C-0186.0000`

Property Details

APN / Parcel Number

Primary APN	`09-8C-0186.0000`
Alternative APN	`19-09-8C-0186.0000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,417 sqft Living Area
1st Floor Area	2,244 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Lot Area	12,937 sqft (0.297 acres)
Lot Dimensions	158 ft deep x 82.3 ft wide
Terrain	Rolling

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	48 RAMS CT
City	SHEPHERDSTOWN
State	WV
Zip	25443-4339
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT #64 MADDEX FARM
Legal Subdivision	MADDEX FARM
Legal Lot Number	64
Jurisdiction	JEFFERSON WV
Township / Civil Division	SHEPHERDSTOWN
Census Block Group	2
Census Block	2001
Census Tract	972201

Owner

48 Rams Ct is owned and occupied by two individuals who bought it in May 2005.

Source: Jefferson County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	48 RAMS CT, SHEPHERDSTOWN, WV 25443-4339
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 2, 2005 · Amount on File
Deed Sale	May 2, 2005 · Amount on File
Prior Sale	Feb 7, 2005 · Amount on File
Deed Document Number	200511338
Deed Book / Page	1007 / 579
Record Updated	Oct 29, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON WV
Property Address	48 RAMS CT, SHEPHERDSTOWN, WV 25443-4339
Document Number	0000011127
Instrument Date	Aug 22, 2019
Transaction Type	Mortgage
Record Updated	Sep 11, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	48 RAMS CT SHEPHERDSTOWN WV 254434339, SHEPHERDSTOWN, WV 25443-4339

Mortgage

Document Number	0000011127
Date	Sep 4, 2019
Book Page	002240/000182
Instrument	11127

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Sep 3, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 48 Rams Ct was $2,670, up 2.8% from the year before.

Source: Jefferson County assessment roll, as of November 14, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,670.00 (+2.77%)	$231,500 (+3.53%) Land $64,400 Building $167,100	$385,833 (+3.52%) Land $107,333 Building $278,500
2025	$2,598.00	$223,600 Land $54,500 Building $169,100	$372,700 Land $90,900 Building $281,800
2023	$2,452.00	$210,000 Land $54,500 Building $155,500	$350,000 Land $90,900 Building $259,100

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

Flood

FEMA maps place 48 Rams Ct in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1984.

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	7 (1984–1996)
Claims Outside the SFHA	6 of 7
Most Recent Claim	Sep 1996 · Hurricane Fran And Associated Heavy Rains,flooding Highwind
Claims by Event	Hurricane Fran And Associated Heavy Rains,flooding Highwind, Sep 1996 · 2 claims Flooding, Jan 1996 · 2 claims Severe Storms & Flooding, Nov 1985 · 2 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

Wildfire risk around 48 Rams Ct is low, with a 0.02% annual chance of 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	0.02% 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 125 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20