4972 River Rd, Shepherdstown, WV 25443 Property Records

Jefferson County property record for 4972 River Rd, Shepherdstown, WV 25443

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,488 sqft · built 1900
Lot Size	0.12 acres (5,227 sqft)
Owner	Company Name on File
Last Sale	$110,000 (Jul 2018)
Tax Bill	$2,073 (2026)
Deeds & Mortgages	Sep 2026 Construction Loan Aug 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-8-0048.0001`

Property Details

APN / Parcel Number

Primary APN	`09-8-0048.0001`
Alternative APN	`19-09-8-0048.0001`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,488 sqft Living Area
1st Floor Area	1,408 sqft
Family Room	Family Room

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Conventional
Exterior Material	Brick Veneer
Construction Type	Frame
Lot Area	5,227 sqft (0.12 acres)
Terrain	Rolling

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4972 RIVER RD
City	SHEPHERDSTOWN
State	WV
Zip	25443-5137
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1 LT NORTH GERMAN ST-FRYE
Jurisdiction	JEFFERSON WV
Township / Civil Division	SHEPHERDSTOWN
Census Block Group	1
Census Block	1001
Census Tract	972203

Owner

4972 River Rd is owned by a company that bought it in July 2018.

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

Owner of Record	Company Name on File
Mailing Address	4972 RIVER RD, SHEPHERDSTOWN, WV 25443-5137
Owner Type	Company
Vesting	Company

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

Date	Document
Sep 3, 2026	Deed of Trust, Mortgage · Construction Mortgage VELOCITY COMMERCIAL CAPITAL LLC
Aug 5, 2019	Deed of Trust, Mortgage · Conventional Mortgage FAY SVCNG LLC
Jul 24, 2018	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 24, 2018 · Amount on File
Deed Sale	Jul 24, 2018 · Amount on File
Deed Document Number	20188613
Deed Book / Page	1210 / 499
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON WV
Recording Date	Sep 3, 2026
Property Address	4972 RIVER RD, SHEPHERDSTOWN, WV 25443-5137
Document Number	0000013566
Book / Page	2705 / 677
Instrument Date	Sep 1, 2026
Instrument	202613566
Transaction Type	Mortgage
Record Updated	Sep 18, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266
Address	374 FOSTER DR, FALLING WATERS, WV 25419-4542

Mortgage

Document Number	0000013566,
Date	Sep 3, 2026
Book Page	2705/677
Instrument	202613566

Lender

Name	VELOCITY COMMERCIAL CAPITAL LLC

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	360 Months

Interest

Max Rate	-1%

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON WV
Property Address	4972 RIVER RD, SHEPHERDSTOWN, WV 25443-5137
Document Number	0000009682
Instrument Date	Aug 5, 2019
Transaction Type	Mortgage
Record Updated	Aug 19, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	374 FOSTER DR FALLING WATERS WV 254194542, FALLING WATERS, WV 25419-4542

Mortgage

Document Number	0000009682
Date	Aug 7, 2019
Book Page	002235/000570
Instrument	9682

Lender

Name	FAY SVCNG LLC
Address	FARMERS BRANCH, TX 75234

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 6, 2049

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	JEFFERSON WV
Recording Date	Jul 24, 2018
Property Address	4972 RIVER RD, SHEPHERDSTOWN, WV 25443-5137
Document Number	0000008613
Book / Page	001210 / 000499
Instrument Date	Jul 12, 2018
Instrument	8613
Transaction Type	Transfer
Record Updated	Aug 20, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$726.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4972 RIVER RD SHEPHERDSTOWN WV 254435137, SHEPHERDSTOWN, WV 25443-5137

Tax Assessment & Valuation

The 2026 property tax bill for 4972 River Rd was $2,073, down 0.6% 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	$2,073.00 (-0.62%)	$89,900 (+0.11%) Land $14,100 Building $75,800	$149,833 (+0.09%) Land $23,500 Building $126,333
2025	$2,086.00	$89,800 Land $13,000 Building $76,800	$149,700 Land $21,700 Building $128,000
2023	$1,978.00	$84,700 Land $13,000 Building $71,700	$141,200 Land $21,700 Building $119,500

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

Flood

FEMA maps place 4972 River Rd in Zone X, an area of minimal flood risk, though there have been 10 flood claims nearby since 1985.

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
Flood Insurance Cost	Premium on File median of 13 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	13 in force
Nearby Flood Claims	10 (1985–2025)
Claims Outside the SFHA	3 of 10
Most Recent Claim	May 2025 · rainfall accumulation
Claims by Event	Hurricane Fran And Associated Heavy Rains,flooding Highwind, Sep 1996 · 3 claims Flooding, Jan 1996 · 3 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 4972 River Rd is low, with a 0.01% 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	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CORPORATION OF SHEPHERDSTOWN serves 4,300 people · EPA ID WV3301933
Water Source	Surface water
Last State Inspection	Dec 2024
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 199 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Glo Fiber.

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