492 Ella Dr, Shepherdstown, WV 25443 Property Records

Jefferson County property record for 492 Ella Dr, Shepherdstown, WV 25443

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,984 sqft · built 1990
Lot Size	2.85 acres (124,146 sqft)
Owner	Individual Name on Record
Last Sale	$425,000 (Nov 2021)
Tax Bill	$2,658 (2026)
Deeds & Mortgages	Nov 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-2-0048.0000`

Property Details

APN / Parcel Number

Primary APN	`09-2-0048.0000`
Alternative APN	`19-09-2-0048.0000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,984 sqft Living Area
1st Floor Area	5,424 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Raised
Lot Area	124,146 sqft (2.85 acres)
Terrain	Rolling

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	492 ELLA DR
City	SHEPHERDSTOWN
State	WV
Zip	25443-4167
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 33 LEISURE ACRES (2.85AC)
Legal Subdivision	LEISURE ACRES SUBDIVISION
Legal Lot Number	33
Jurisdiction	JEFFERSON WV
Township / Civil Division	SHEPHERDSTOWN
Census Block Group	3
Census Block	3010
Census Tract	972201

Owner

Source: Jefferson 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	492 ELLA DR, SHEPHERDSTOWN, WV 25443-4167
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 16, 2021 · Amount on Record
Deed Sale	Nov 16, 2021 · Amount on Record
Deed Document Number	202119375
Deed Book / Page	1271 / 383
Record Updated	Oct 29, 2026

November 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	JEFFERSON WV
Recording Date	Nov 16, 2021
Property Address	492 ELLA DR, SHEPHERDSTOWN, WV 25443-4167
Document Number	1271/383
Book / Page	1271 / 383
Map Reference	MB 760 PG 231
Instrument Date	Nov 5, 2021
Instrument	202100019375
Transaction Type	Transfer
Record Updated	Nov 30, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,082.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	492 ELLA DR, SHEPHERDSTOWN, WV 25443-4167

Mortgage

Document Number	202100019376
Date	Nov 16, 2021
Instrument	202100019376

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

Tax Assessment & Valuation

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	$2,658.00	$230,500 (+0.74%) Land $80,800 Building $149,700	$384,167 (+0.75%) Land $134,667 Building $249,500
2025	$2,658.00 (+4.98%)	$228,800 (+5.54%) Land $77,100 Building $151,700	$381,300 (+5.54%) Land $128,500 Building $252,800
2023	$2,532.00	$216,800 Land $77,100 Building $139,700	$361,300 Land $128,500 Building $232,800

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 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	3 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 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 24 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Cell Coverage

4G LTE (outdoors only), no 5G reported

Nearby Properties on Ella Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures