4981 Cold Run Valley Rd, Berkeley Springs, WV 25411 Property Records

Morgan County property record for 4981 Cold Run Valley Rd, Berkeley Springs, WV 25411

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,080 sqft · built 1932
Lot Size	34 acres (1,484,525 sqft)
Owner	2 Individual Names on File
Last Sale	$440,000 (Jun 2023)
Tax Bill	$1,616 (2026)
Deeds & Mortgages	May 2025 Mortgage Jun 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-8-0004.0000`

Property Details

APN / Parcel Number

Primary APN	`06-8-0004.0000`
Alternative APN	`33-06-8-0004.0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,080 sqft Living Area
1st Floor Area	2,080 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1932
Effective Year Built	Effective 1932
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Lot Area	1,484,525 sqft (34 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	1,120 sqft
Porch	Porch
Porch Area	192 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4981 COLD RUN VALLEY RD
City	BERKELEY SPRINGS
State	WV
Zip	25411-4662
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SIR JOHNS VALLEY PCL 5 34.08 AC
Jurisdiction	MORGAN WV
Township / Civil Division	2
Census Block Group	2
Census Block	2008
Census Tract	971002

Owner

4981 Cold Run Valley Rd is owned and occupied by two individuals who bought it in June 2023.

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

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

Owner of Record	2 Individual Names on File
Mailing Address	4981 COLD RUN VALLEY RD, BERKELEY SPRINGS, WV 25411-4662
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 19, 2025	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Jun 9, 2023	Warranty Deed, Transfer · Conventional Mortgage FULTON BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 9, 2023 · Amount on File
Deed Sale	Jun 9, 2023 · Amount on File
Deed Document Number	2023895207
Deed Book / Page	291 / 612
Record Updated	Oct 29, 2026

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN WV
Property Address	4981 COLD RUN VALLEY RD, BERKELEY SPRINGS, WV 25411-4662
Transaction Type	Mortgage
Record Updated	Nov 18, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	000520/600
Date	May 19, 2025
Book Page	520/600
Instrument	912352

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2055

Interest

Rate Type	Adjustable Rate

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MORGAN WV
Recording Date	Jun 9, 2023
Property Address	4981 COLD RUN VALLEY RD, BERKELEY SPRINGS, WV 25411-4662
Document Number	000291/612
Book / Page	291 / 612
Map Reference	MB 6 PG 1
Instrument Date	Jun 5, 2023
Instrument	895207
Transaction Type	Transfer
Record Updated	Nov 18, 2025

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4981 COLD RUN VALLEY RD, BERKELEY SPRINGS, WV 25411-4662
Investor	Possibly a Property Investor

Mortgage

Document Number	0000895208
Date	Jun 9, 2023
Instrument	895208

Lender

Name	FULTON BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2053

Tax Assessment & Valuation

The 2026 property tax bill for 4981 Cold Run Valley Rd was $1,616, up 6.9% from the year before.

Source: Morgan County assessment roll, as of November 18, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,616.00 (+6.95%)	$163,020 (+7.22%) Land $24,000 Building $139,020	$271,700 (+7.22%) Land $40,000 Building $231,700
2025	$1,511.00	$152,040 Land $24,000 Building $128,040	$253,400 Land $40,000 Building $213,400
2023	$1,335.00 (+0.68%)	$133,480 (+0.72%) Land $53,800 Building $79,680	$222,400 (+0.72%) Land $89,600 Building $132,800
2022	$1,326.00	$132,520 Land $53,800 Building $78,720	$220,800 Land $89,600 Building $131,200

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.

Flood

FEMA maps place 4981 Cold Run Valley Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 25, 2009 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	6 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

Wildfire risk around 4981 Cold Run Valley Rd is moderate, ranking above 40% of the US, with a 0.05% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 40% of the US · above 55% of West Virginia
Wildfire Likelihood	0.05% 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 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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