75 Key Ln, Berkeley Springs, WV 25411 Property Records

Morgan County property record for 75 Key Ln, Berkeley Springs, WV 25411

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,779 sqft · built 2020
Lot Size	0.994 acres (43,299 sqft)
Owner	Individual Name on File
Last Sale	$420,000 (May 2026)
Tax Bill	$1,676 (2026)
Deeds & Mortgages	May 2026 Sale & Mortgage Mar 2022 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-2B-0011.0000`

Property Details

APN / Parcel Number

Primary APN	`02-2B-0011.0000`
Alternative APN	`33-02-2B-0011.0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,779 sqft Living Area
1st Floor Area	3,558 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	43,299 sqft (0.994 acres)
Terrain	Rolling

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	75 KEY LN
City	BERKELEY SPRINGS
State	WV
Zip	25411-3263
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KEY ACRES S/D SEC 2 LOT 37 0.994 AC
Legal Subdivision	KEY ACRES S/D
Legal Lot Number	37
Jurisdiction	MORGAN WV
Township / Civil Division	2
Census Block Group	1
Census Block	1000
Census Tract	970800

Owner

75 Key Ln is owned and occupied by an individual who bought it in May 2026.

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

Owner of Record	Individual Name on File
Mailing Address	75 KEY LN, BERKELEY SPRINGS, WV 25411-3263
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
May 13, 2026	Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE
Mar 16, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE
Aug 27, 2019	Deed, Subdivision Related Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 13, 2026 · Amount on File
Deed Sale	May 13, 2026 · Amount on File
Prior Sale	Mar 30, 2005 · Amount on File
Deed Document Number	2026918021
Deed Book / Page	305 / 543
Prior Transfer Date	Mar 12, 2025
Prior Transfer Doc	0000911429
Record Updated	Oct 29, 2026

May 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	MORGAN WV
Recording Date	May 13, 2026
Property Address	75 KEY LN, BERKELEY SPRINGS, WV 25411-3263
Document Number	0000918021
Book / Page	305 / 543
Instrument Date	May 12, 2026
Instrument	2026918021
Transaction Type	Transfer
Record Updated	Jun 26, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLUTI

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$233,310.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	75 KEY LN, BERKELEY SPRINGS, WV 25411-3263
Investor	Possibly a Property Investor

Mortgage

Document Number	0000918022,
Date	May 13, 2026
Instrument	2026918022

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.46%
Max Rate	-1%

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN WV
Property Address	75 KEY LN, BERKELEY SPRINGS, WV 25411-3263
Transaction Type	Mortgage
Record Updated	Apr 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000483/223
Date	Mar 16, 2022
Book Page	483/223
Instrument	884906

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

August 2019: Deed, Subdivision Related Transfer

Document Type	Deed
Jurisdiction	MORGAN WV
Recording Date	Aug 27, 2019
Property Address	75 KEY LN, BERKELEY SPRINGS, WV 25411-3263
Document Number	272/838
Book / Page	272 / 838
Instrument Date	Aug 27, 2019
Instrument	T858958
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 25, 2021

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

Tax Assessment & Valuation

The 2026 property tax bill for 75 Key Ln was $1,676, up 8.4% 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	$1,676.00 (+8.41%)	$169,020 (+8.68%) Land $21,240 Building $147,780	$281,700 (+8.68%) Land $35,400 Building $246,300
2025	$1,546.00	$155,520 Land $19,440 Building $136,080	$259,200 Land $32,400 Building $226,800
2023	$1,399.00 (+1.01%)	$139,860 (+1.04%) Land $17,880 Building $121,980	$233,100 (+1.04%) Land $29,800 Building $203,300
2022	$1,385.00	$138,420 Land $17,880 Building $120,540	$230,700 Land $29,800 Building $200,900

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 75 Key Ln in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1978.

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	1 in force
Nearby Flood Claims	8 (1978–1996)
Claims Outside the SFHA	4 of 8
Most Recent Claim	Sep 1996 · Hurricane Fran And Associated Heavy Rains,flooding Highwind
Claims by Event	Hurricane Fran And Associated Heavy Rains,flooding Highwind, Sep 1996 · 3 claims Flooding, Jan 1996 · 3 claims

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 75 Key Ln 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF BERKELEY SPRINGS serves 3,526 people · EPA ID WV3303301
Water Source	Surface water
Last State Inspection	Dec 2024
Lead	4 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	Turbidity resolved · Apr 2018
Treatment and Procedure	Sanitary survey deficiency not corrected Jun 2019
Monitoring and Reporting	32 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 66 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Frontier.

Nearby Properties on Key Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures