648 Declaration Dr, Charles Town, WV 25414 Property Records

Jefferson County property record for 648 Declaration Dr, Charles Town, WV 25414

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 5,384 sqft · built 2012
Lot Size	3.45 acres (150,282 sqft)
Owner	2 Individual Names on Record
Last Sale	$419,990 (Aug 2012)
Tax Bill	$5,173 (2026)
Deeds & Mortgages	Dec 2020 Mortgage Nov 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`02-6A-0027.0000`

Property Details

APN / Parcel Number

Primary APN	`02-6A-0027.0000`
Alternative APN	`19-02-6A-0027.0000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	5,384 sqft Living Area
1st Floor Area	3,926 sqft
Basement Area	950 sqft
Finished Basement	950 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	150,282 sqft (3.45 acres)
Terrain	Rolling

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	648 DECLARATION DR
City	CHARLES TOWN
State	WV
Zip	25414-4987
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	#27 PRESERVE-BARLEYWOOD
Legal Subdivision	THE PRESERVE AT BARLCYWOOD
Jurisdiction	JEFFERSON WV
Township / Civil Division	MIDDLEWAY
Census Block Group	4
Census Block	4053
Census Tract	972402

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Individually Listed	Barleywood listed 2007 · 8 contributing resources · NRIS 07000241

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Jefferson 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	648 DECLARATION DR, CHARLES TOWN, WV 25414-4987
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 22, 2020	Deed of Trust, Mortgage · Commercial Mortgage TRUIST BANK
Nov 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Apr 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Jan 22, 2020	Deed of Trust, Mortgage · VA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 1, 2012 · Amount on Record
Deed Sale	Aug 1, 2012 · Amount on Record
Deed Document Number	201215884
Deed Book / Page	1112 / 731
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON WV
Property Address	648 DECLARATION DR, CHARLES TOWN, WV 25414-4987
Transaction Type	Mortgage
Record Updated	Sep 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	648 DECLARATION DR, CHARLES TOWN, WV 25414-4987

Mortgage

Document Number	002332/658
Date	Dec 22, 2020
Book Page	2332/658
Instrument	202000017870

Lender

Name	TRUIST BANK
Type	Bank
Address	CHARLESTON, WV 25301

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON WV
Property Address	648 DECLARATION DR, CHARLES TOWN, WV 25414-4987
Transaction Type	Mortgage
Record Updated	Sep 8, 2022
Title Company	MORTGAGE CONNECT LP VENDOR

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	648 DECLARATION DR, CHARLES TOWN, WV 25414-4987

Mortgage

Document Number	002421/724
Date	Nov 3, 2021
Book Page	2421/724
Instrument	202100018705

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON WV
Property Address	648 DECLARATION DR, CHARLES TOWN, WV 25414-4987
Document Number	0000005201
Instrument Date	Apr 24, 2020
Transaction Type	Mortgage
Record Updated	Jun 4, 2020
Title Company	WFG LENDER SERVICES, WFG LENDER SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	648 DECLARATION DR CHARLES TOWN WV 254144987, CHARLES TOWN, WV 25414-4987

Mortgage

Document Number	0000005201
Date	May 4, 2020
Book Page	002279/000572
Instrument	5201

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 3, 2050

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON WV
Property Address	648 DECLARATION DR, CHARLES TOWN, WV 25414-4987
Document Number	0000001109
Instrument Date	Jan 22, 2020
Transaction Type	Mortgage
Record Updated	Feb 12, 2020
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	872 DECLARATION DR CHARLES TOWN WV 254145639, CHARLES TOWN, WV 25414-5639

Mortgage

Document Number	0000001109
Date	Jan 28, 2020
Book Page	002263/000626
Instrument	1109

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 27, 2050

Tax Assessment & Valuation

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	$5,173.00 (-1.24%)	$448,600 (-0.49%) Land $117,200 Building $331,400	$747,667 (-0.5%) Land $195,333 Building $552,333
2025	$5,238.00 (+5.84%)	$450,800 (+6.37%) Land $116,100 Building $334,700	$751,400 (+6.37%) Land $193,500 Building $557,900
2023	$4,949.00	$423,800 Land $116,100 Building $307,700	$706,400 Land $193,500 Building $512,900

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 July 23, 2024 · 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 7 (15% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (2019)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2019 · rainfall accumulation

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 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 7 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

5G (outdoors only) and 4G LTE

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