55 Cherokee Trl, Berkeley Springs, WV 25411 Property Records

Morgan County property record for 55 Cherokee Trl, Berkeley Springs, WV 25411

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,960 sqft · built 1983
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on Record
Tax Bill	$993 (2026)
Deeds & Mortgages	Jul 2022 Mortgage May 2019 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`01-20-0048.0000`

Property Details

APN / Parcel Number

Primary APN	`01-20-0048.0000`
Alternative APN	`33-01-20-0048.0000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,960 sqft Living Area
1st Floor Area	2,240 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	Modern
Exterior Material	Brick/Stone
Construction Type	Frame
Lot Area	87,120 sqft (2 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	768 sqft
Porch	Porch
Porch Area	224 sqft
Patio Area	654 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	55 CHEROKEE TRL
City	BERKELEY SPRINGS
State	WV
Zip	25411-5520
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MOUNTAIN LICK RUN S/D LOT 14 2.00 AC
Legal Subdivision	MOUNTAIN LICK RUN S/D
Legal Lot Number	14
Jurisdiction	MORGAN WV
Township / Civil Division	3
Census Block Group	1
Census Block	1049
Census Tract	970701

Owner

Source: Morgan 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	2 Individual Names on Record
Mailing Address	55 CHEROKEE TRL, BERKELEY SPRINGS, WV 25411-5520
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2022	Deed of Trust, Mortgage · Second Mortgage (Down Payment) CNB BANK
May 31, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance CNB BANK
Aug 15, 2017	Deed of Trust, Mortgage · Construction Mortgage CNB BANK INC
Aug 15, 2017	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN WV
Property Address	55 CHEROKEE TRL, BERKELEY SPRINGS, WV 25411-5520
Transaction Type	Mortgage
Record Updated	Aug 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000489/125
Date	Jul 28, 2022
Book Page	489/125
Instrument	887521

Lender

Name	CNB BANK
Type	Bank

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	121 Months
Due	Aug 1, 2032

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN WV
Property Address	55 CHEROKEE TRL, BERKELEY SPRINGS, WV 25411-5520
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	439/753
Date	May 31, 2019
Book Page	439/753
Instrument	856823

Lender

Name	CNB BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Jun 1, 2039

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN WV
Property Address	55 CHEROKEE TRL, BERKELEY SPRINGS, WV 25411-5520
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	422/793
Date	Aug 15, 2017
Book Page	422/793
Instrument	839315

Lender

Name	CNB BANK INC
Type	Bank
Address	BERKELEY SPRINGS, WV 25411

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	11 Months
Due	Jul 24, 2018

Interest

Rate	4.49%

August 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	MORGAN WV
Recording Date	Aug 15, 2017
Property Address	55 CHEROKEE TRL, BERKELEY SPRINGS, WV 25411-5520
Document Number	263/437
Book / Page	263 / 437
Instrument Date	Jul 11, 2017
Instrument	839314
Transaction Type	Transfer
Record Updated	Nov 2, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1314 EDWIN MILLER BLVD, BERKELEY SPGS, WV 25411

Tax Assessment & Valuation

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	$993.00 (+5.98%)	$120,180 (+5.14%) Land $28,200 Building $91,980	$200,300 (+5.14%) Land $47,000 Building $153,300
2025	$937.00 (-6.21%) Homeowner's exemption	$114,300 (+14.41%) Land $28,200 Building $86,100	$190,500 (+14.41%) Land $47,000 Building $143,500
2023	$999.00 (-4.31%)	$99,900 (-4.31%) Land $25,860 Building $74,040	$166,500 (-4.31%) Land $43,100 Building $123,400
2022	$1,044.00	$104,400 Land $25,860 Building $78,540	$174,000 Land $43,100 Building $130,900

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 September 25, 2009 · 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 9 (5% premium discount)
Nearby Flood Policies	4 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 64% of the US · above 47% of West Virginia
Wildfire Likelihood	0.03% 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 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Starlink Satellite	280 / 30

Cell Coverage

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

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