635 Murphy Rd, Berkeley Springs, WV 25411 Property Records

Morgan County property record for 635 Murphy Rd, Berkeley Springs, WV 25411

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,660 sqft · built 1985
Lot Size	2.99 acres (130,244 sqft)
Owner	2 Individual Names on File
Last Sale	$290,000 (Dec 2025)
Tax Bill	$1,488 (2026)
Deeds & Mortgages	Dec 2025 Sale Jun 2024 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-19-0017.0005`

Property Details

APN / Parcel Number

Primary APN	`01-19-0017.0005`
Alternative APN	`33-01-19-0017.0005`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,660 sqft Living Area
1st Floor Area	1,728 sqft
Basement Area	700 sqft
Finished Basement	700 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	130,244 sqft (2.99 acres)
Terrain	Rolling
Porch	Porch
Porch Area	256 sqft
Patio Area	504 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	635 MURPHY RD
City	BERKELEY SPRINGS
State	WV
Zip	25411-5598
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DRNS SLEEPY CREEK 2.99 AC
Legal Subdivision	DRNS SLEEPY CREEK
Jurisdiction	MORGAN WV
Township / Civil Division	3
Census Block Group	1
Census Block	1028
Census Tract	970701

Owner

635 Murphy Rd is owned and occupied by two individuals who bought it in December 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	635 MURPHY RD, BERKELEY SPRINGS, WV 25411-5598
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Dec 8, 2025	Deed, Transfer
Jun 18, 2024	Deed of Trust, Mortgage · Conventional Mortgage NAVY FEDERAL CREDIT UNION
Jun 18, 2024	Deed, Transfer · Conventional Mortgage NAVY FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 8, 2025 · Amount on File
Deed Sale	Dec 8, 2025 · Amount on File
Prior Sale	Jul 28, 2005 · Amount on File
Deed Document Number	2025915579
Deed Book / Page	303 / 534
Record Updated	Oct 29, 2026

December 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	MORGAN WV
Recording Date	Dec 8, 2025
Property Address	635 MURPHY RD, BERKELEY SPRINGS, WV 25411-5598
Document Number	000303/534
Book / Page	303 / 534
Instrument Date	Dec 5, 2025
Instrument	915579
Transaction Type	Transfer
Record Updated	Jan 19, 2026

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
Address	635 MURPHY RD, BERKELEY SPRINGS, WV 25411-5598

June 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN WV
Property Address	635 MURPHY RD, BERKELEY SPRINGS, WV 25411-5598
Transaction Type	Mortgage
Record Updated	Nov 18, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000509/556
Date	Jun 18, 2024
Book Page	509/556
Instrument	904730

Lender

Name	NAVY FEDERAL CREDIT UNION
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2054

June 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	MORGAN WV
Recording Date	Jun 18, 2024
Property Address	635 MURPHY RD, BERKELEY SPRINGS, WV 25411-5598
Document Number	0000296/36
Book / Page	296 / 36
Instrument Date	Jun 14, 2024
Instrument	904729
Transaction Type	Transfer
Record Updated	Jan 19, 2026

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	635 MURPHY RD, BERKELEY SPRINGS, WV 25411-5598

Mortgage

Document Number	0000904730
Date	Jun 18, 2024
Instrument	904730

Lender

Name	NAVY FEDERAL CREDIT UNION
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2054

Tax Assessment & Valuation

The 2026 property tax bill for 635 Murphy Rd was $1,488, up 6.8% 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	$1,488.00 (+6.82%)	$150,060 (+7.06%) Land $21,720 Building $128,340	$250,100 (+7.06%) Land $36,200 Building $213,900
2025	$1,393.00	$140,160 Land $21,720 Building $118,440	$233,600 Land $36,200 Building $197,400
2023	$2,880.00 (+1.05%)	$143,940 (+1.05%) Land $19,920 Building $124,020	$239,900 (+1.05%) Land $33,200 Building $206,700
2022	$2,850.00	$142,440 Land $19,920 Building $122,520	$237,400 Land $33,200 Building $204,200

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 635 Murphy Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 635 Murphy Rd 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 19 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30
AT&T Fixed Wireless	25 / 3
Frontier DSL	10 / 1

Cell Coverage

5G (outdoors only) and 4G LTE

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