681 Declaration Dr, Charles Town, WV 25414 Property Records

Jefferson County property record for 681 Declaration Dr, Charles Town, WV 25414

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 6,528 sqft · built 2013
Lot Size	3.04 acres (132,422 sqft)
Owner	2 Individual Names on Record
Last Sale	$524,900 (Apr 2019)
Tax Bill	$5,586 (2025)
Deeds & Mortgages	Mar 2023 Second Mortgage Apr 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`02-6A-0043.0000`

Property Details

APN / Parcel Number

Primary APN	`02-6A-0043.0000`
Alternative APN	`19-02-6A-0043.0000`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	6,528 sqft Living Area
1st Floor Area	3,168 sqft
Basement Area	1,080 sqft
Finished Basement	1,080 sqft
Family Room	Family Room

Exterior

Year Built	Built 2013
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	132,422 sqft (3.04 acres)
Terrain	Rolling

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	681 DECLARATION DR
City	CHARLES TOWN
State	WV
Zip	25414-5590
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	#43 PRESERVE-BARLEYWOOD
Legal Subdivision	PRESERVE/BARLEYWOOD
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 November 13, 2025

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	681 DECLARATION DR, CHARLES TOWN, WV 25414-5590
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 28, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NORTHWEST FCU
Apr 27, 2021	Deed of Trust, Mortgage · VA Mortgage CALIBER HOME LOANS INC
Jun 18, 2020	Correction Deed ATTORNEY ONLY
Apr 25, 2019	Grant Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 25, 2019 · Amount on Record
Deed Sale	Apr 25, 2019 · Amount on Record
Deed Document Number	0000004544
Last Transfer Date	Jun 18, 2020
Transfer Doc	0000007510
Record Updated	Jun 8, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON WV
Property Address	681 DECLARATION DR, CHARLES TOWN, WV 25414-5590
Transaction Type	Mortgage
Record Updated	Apr 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	681 DECLARATION DR, CHARLES TOWN, WV 25414-5590

Mortgage

Document Number	02499/1770
Date	Mar 28, 2023
Book Page	2499/1770
Instrument	202300002998

Lender

Name	NORTHWEST FCU
Type	Credit Union
Address	HERNDON, VA 20170

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2043

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON WV
Property Address	681 DECLARATION DR, CHARLES TOWN, WV 25414-5590
Transaction Type	Mortgage
Record Updated	Apr 1, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	681 DECLARATION DR, CHARLES TOWN, WV 25414-5590

Mortgage

Document Number	002372/271
Date	Apr 27, 2021
Book Page	2372/271
Instrument	202100007285

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

June 2020: Correction Deed

Document Type	Correction Deed
Jurisdiction	JEFFERSON WV
Recording Date	Jun 18, 2020
Property Address	681 DECLARATION DR, CHARLES TOWN, WV 25414-5590
Document Number	0000007510
Book / Page	001242 / 000257
Instrument Date	Jun 16, 2020
Instrument	7510
Record Updated	Jul 9, 2020
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	681 DECLARATION DR CHARLES TOWN WV 254145590, CHARLES TOWN, WV 25414-5590

April 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	JEFFERSON WV
Recording Date	Apr 25, 2019
Property Address	681 DECLARATION DR, CHARLES TOWN, WV 25414-5590
Document Number	0000004544
Instrument Date	Apr 24, 2019
Instrument	4544
Transaction Type	Transfer
Record Updated	May 15, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$3,464.34
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	681 DECLARATION DR CHARLES TOWN WV 254145590, CHARLES TOWN, WV 25414-5590

Mortgage

Document Number	4545
Date	Apr 25, 2019
Instrument	4545

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 24, 2049

Tax Assessment & Valuation

Source: Jefferson County assessment roll, as of July 1, 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
2025	$5,586.00 (+6.2%)	$480,800 (+6.75%) Land $109,700 Building $371,100	$801,300 (+6.74%) Land $182,800 Building $618,500
2023	$5,260.00	$450,400 Land $109,700 Building $340,700	$750,700 Land $182,800 Building $567,900

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 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Xfinity Cable	1,200 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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