Berkeley County property record for 85 Osprey Ln, Falling Waters, WV 25419
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,423 sqft · built 1997 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $184,000 (Sep 2017) |
| Tax Bill | $1,939 (2025) |
| Deeds & Mortgages | Aug 2021 Mortgage Sep 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-14J-0261.0000 |
| Primary APN | 02-14J-0261.0000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,423 sqft Living Area |
| 1st Floor Area | 1,423 sqft |
| Year Built | Built 1997 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Raised |
| Lot Area | 10,019 sqft (0.23 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 07216313 |
|---|---|
| Street Address | 85 OSPREY LN |
| City | FALLING WATERS |
| State | WV |
| Zip | 25419-4025 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | .23 AC LOT 155 PHASE VIII SPRING MILLS SD |
| Legal Subdivision | PHASE VIII SPRING MILLS SD |
| Legal Lot Number | 155 |
| Jurisdiction | BERKELEY WV |
| Township / Civil Division | POTOMAC |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 971105 |
Source: Berkeley County records, as of November 14, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 85 OSPREY LN, FALLING WATERS, WV 25419-4025 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 27, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CNB BANK |
| Sep 19, 2017 | Deed, Transfer · ARM CITY NATIONAL BANK OF WEST VIRGINIA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 19, 2017 · Amount on Record |
| Deed Sale | Sep 19, 2017 · Amount on Record |
| Prior Sale | Jun 8, 2010 · Amount on Record |
| Deed Document Number | 20170032761 |
| Deed Book / Page | 1187 / 144 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERKELEY WV |
| Property Address | 85 OSPREY LN, FALLING WATERS, WV 25419-4025 |
| Transaction Type | Mortgage |
| Record Updated | Mar 14, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0003764/47 |
|---|---|
| Date | Aug 27, 2021 |
| Book Page | 3764/47 |
| Instrument | 20210031851 |
| Name | CNB BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | BERKELEY WV |
| Recording Date | Sep 19, 2017 |
| Property Address | 85 OSPREY LN, FALLING WATERS, WV 25419-4025 |
| Document Number | 001187/144 |
| Book / Page | 1187 / 144 |
| Map Reference | CAB 6 SL 104 |
| Instrument Date | Sep 15, 2017 |
| Instrument | 20170032761 |
| Transaction Type | Transfer |
| Record Updated | Mar 14, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,012.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Document Number | 003193/278 |
|---|---|
| Date | Sep 19, 2017 |
| Book Page | 3193/278 |
| Instrument | 20170032764 |
| Name | CITY NATIONAL BANK OF WEST VIRGINIA |
|---|---|
| Type | Bank |
| Address | CHARLESTON, WV 25313 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.99% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Oct 1, 2022 |
| Change Frequency | 5 Years |
| Min Rate At Change | 2.87% |
| Max Rate At Change | 5.99% |
| Index | 5-Year CMT |
| Max Rate | 7.99% |
Source: Berkeley County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | West Virginia |
| County | Berkeley County |
| Unified School District | Berkeley County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,939.00 (+3.75%) | $159,540 (+7.83%) Land $45,600 Building $113,940 | $265,900 (+7.83%) Land $76,000 Building $189,900 |
| 2023 | $1,869.00 | $147,960 Land $32,940 Building $115,020 | $246,600 Land $54,900 Building $191,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective July 7, 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 7 (15% 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.
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 | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | BERKELEY COUNTY PSWD-POTOMAC RIVER serves 69,372 people · EPA ID WV3300218 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Dec 2025 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 6 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.
Source: FCC Broadband Data Collection, based on 84 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Xfinity Cable | 2,000 / 250 |
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