628 Morgana Dr, Shepherdstown, WV 25443 Property Records

Jefferson County property record for 628 Morgana Dr, Shepherdstown, WV 25443

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,848 sqft · built 1995
Lot Size	2.72 acres (118,483 sqft)
Owner	2 Individual Names on File
Last Sale	$330,000 (Feb 2020)
Tax Bill	$2,654 (2026)
Deeds & Mortgages	Aug 2019 Line of Credit Feb 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`09-13-0095.0000`

Property Details

APN / Parcel Number

Primary APN	`09-13-0095.0000`
Alternative APN	`19-09-13-0095.0000`

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	1,848 sqft Living Area
1st Floor Area	3,696 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	118,483 sqft (2.72 acres)
Terrain	Rolling

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	628 MORGANA DR
City	SHEPHERDSTOWN
State	WV
Zip	25443-4710
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT #5-MORGANA
Legal Subdivision	MORGANA SUBDIVISION
Legal Lot Number	5
Jurisdiction	JEFFERSON WV
Township / Civil Division	SHEPHERDSTOWN
Census Block Group	1
Census Block	1015
Census Tract	972204

Owner

628 Morgana Dr is owned and occupied by two individuals who bought it in February 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	628 MORGANA DR, SHEPHERDSTOWN, WV 25443-4710
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

Date	Document
Aug 15, 2019	Deed of Trust, Mortgage · Line of Credit BANK-FUND STAFF FCU
Feb 3, 2020	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 3, 2020 · Amount on File
Deed Sale	Feb 3, 2020 · Amount on File
Prior Sale	Apr 29, 2014 · Amount on File
Deed Document Number	20201277
Deed Book / Page	1235 / 541
Record Updated	Oct 29, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON WV
Property Address	628 MORGANA DR, SHEPHERDSTOWN, WV 25443-4710
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010036
Date	Aug 15, 2019
Book Page	2236/678
Instrument	201900010036

Lender

Name	BANK-FUND STAFF FCU
Type	Credit Union
Address	WASHINGTON, DC 20006

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jul 31, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	JEFFERSON WV
Recording Date	Feb 3, 2020
Property Address	628 MORGANA DR, SHEPHERDSTOWN, WV 25443-4710
Document Number	0000001277
Book / Page	001235 / 000541
Instrument Date	Jan 31, 2020
Instrument	1277
Transaction Type	Transfer
Record Updated	Feb 12, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$2,178.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	628 MORGANA DR SHEPHERDSTOWN WV 254434710, SHEPHERDSTOWN, WV 25443-4710

Tax Assessment & Valuation

The 2026 property tax bill for 628 Morgana Dr was $2,654, up 1.8% 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	$2,654.00 (+1.8%)	$230,100 (+2.54%) Land $75,500 Building $154,600	$383,500 (+2.54%) Land $125,833 Building $257,667
2025	$2,607.00	$224,400 Land $69,800 Building $154,600	$374,000 Land $116,400 Building $257,600
2023	$2,498.00	$213,900 Land $69,800 Building $144,100	$356,600 Land $116,400 Building $240,200

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

Flood

FEMA maps place 628 Morgana Dr 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 July 23, 2024 · 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 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

Wildfire risk around 628 Morgana Dr is low, with a 0.02% 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	0.02% 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 35 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Morgana Dr

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