553 Gemstone Ln, Berkeley Springs, WV 25411 Property Records

Morgan County property record for 553 Gemstone Ln, Berkeley Springs, WV 25411

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,435 sqft · built 2001
Lot Size	3 acres (130,680 sqft)
Owner	Individual Name on File
Last Sale	$217,500 (Dec 2019)
Tax Bill	$1,799 (2026)
Deeds & Mortgages	Dec 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-2-0010.0002`

Property Details

APN / Parcel Number

Primary APN	`01-2-0010.0002`
Alternative APN	`33-01-2-0010.0002`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,435 sqft Living Area
1st Floor Area	2,392 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Ranch
Construction Type	Frame
Lot Area	130,680 sqft (3 acres)
Terrain	Rolling
Porch	Porch
Porch Area	301 sqft
Patio Area	284 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	553 GEMSTONE LN
City	BERKELEY SPRINGS
State	WV
Zip	25411-6017
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DRNS POTOMAC LOT 2 3.00 AC
Legal Subdivision	ROBERT W & CXHRISTINE S SNIDEMILLER
Legal Lot Number	2
Jurisdiction	MORGAN WV
Township / Civil Division	3
Census Block Group	2
Census Block	2012
Census Tract	970701

Owner

553 Gemstone Ln is owned and occupied by an individual who bought it in December 2019.

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

Owner of Record	Individual Name on File
Mailing Address	553 GEMSTONE LN, BERKELEY SPRINGS, WV 25411-6017
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	Name on Deed
Last Sale	Dec 23, 2019 · Amount on File
Deed Sale	Dec 23, 2019 · Amount on File
Deed Document Number	2019862891
Deed Book / Page	274 / 155
Record Updated	Oct 29, 2026

December 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	MORGAN WV
Recording Date	Dec 23, 2019
Property Address	553 GEMSTONE LN, BERKELEY SPRINGS, WV 25411-6017
Document Number	274/155
Book / Page	274 / 155
Instrument Date	Dec 19, 2019
Instrument	862891
Transaction Type	Transfer
Record Updated	Nov 2, 2021

Transaction

Amount	Amount 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

Mortgage

Document Number	862892
Date	Dec 23, 2019
Instrument	862892

Lender

Name	VICTORIAN FINANCE

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Mortgage

Document Number	000274/155
Date	Dec 23, 2019
Book Page	274/155
Instrument	862891

Lender

Name	VICTORIAN FINANCE

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 553 Gemstone Ln was $1,799, up 11.6% 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	$1,799.00 (+11.6%)	$181,450 (+11.87%) Land $21,730 Building $159,720	$302,417 (+11.88%) Land $36,217 Building $266,200
2025	$1,612.00	$162,190 Land $21,730 Building $140,460	$270,300 Land $36,200 Building $234,100
2023	$1,395.00 (+1.09%)	$139,450 (+1.04%) Land $19,930 Building $119,520	$232,400 (+1.04%) Land $33,200 Building $199,200
2022	$1,380.00	$138,010 Land $19,930 Building $118,080	$230,000 Land $33,200 Building $196,800

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

Flood

FEMA maps place 553 Gemstone Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2018.

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	3 in force
Nearby Flood Claims	1 (2018)
Most Recent Claim	Jun 2018 · Severe Storms, Flooding, Landslides, And Mudslides

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 553 Gemstone Ln is low, with a 0.03% 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	0.03% 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 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6
Morgan Wireless Fixed Wireless · not low latency	25 / 3

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Gemstone Ln

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