85 Rams Ct, Shepherdstown, WV 25443 Property Records

Jefferson County property record for 85 Rams Ct, Shepherdstown, WV 25443

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 4,068 sqft · built 2006
Lot Size	0.292 acres (12,720 sqft)
Owner	Individual Name on Record
Tax Bill	$3,568 (2026)
Deeds & Mortgages	Dec 2025 Mortgage Jun 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-8C-0190.0000`

Property Details

APN / Parcel Number

Primary APN	`09-8C-0190.0000`
Alternative APN	`19-09-8C-0190.0000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	4,068 sqft Living Area
1st Floor Area	2,964 sqft
Basement Area	770 sqft
Finished Basement	770 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	12,720 sqft (0.292 acres)
Lot Dimensions	161 ft deep x 37.1 ft wide
Terrain	Rolling

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	85 RAMS CT
City	SHEPHERDSTOWN
State	WV
Zip	25443-4340
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT #68 MADDEX FARM
Legal Subdivision	MADDEX FARM
Legal Lot Number	68
Jurisdiction	JEFFERSON WV
Township / Civil Division	SHEPHERDSTOWN
Census Block Group	2
Census Block	2001
Census Tract	972201

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	Individual Name on Record
Mailing Address	85 RAMS CT, SHEPHERDSTOWN, WV 25443-4340
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 16, 2025	Intrafamily Transfer, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC
Jun 28, 2017	Deed, Transfer · FHA Mortgage SIERRA PACIFIC MORTGAGE CO INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 16, 2025
Deed Sale	Dec 16, 2025
Prior Sale	Jun 28, 2017 · Amount on Record
Deed Document Number	202516385
Deed Book / Page	1363 / 205
Prior Transfer Date	Dec 10, 2025
Prior Transfer Doc	001363/205
Record Updated	Oct 29, 2026

December 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	JEFFERSON WV
Recording Date	Dec 16, 2025
Property Address	85 RAMS CT, SHEPHERDSTOWN, WV 25443-4340
Document Number	001363/205
Book / Page	1363 / 205
Map Reference	MB 21 PG 22&22A-22D
Instrument Date	Dec 10, 2025
Instrument	202500016385
Transaction Type	Transfer
Record Updated	Jan 9, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85 RAMS CT, SHEPHERDSTOWN, WV 25443-4340

Mortgage

Document Number	202500016386
Date	Dec 16, 2025
Instrument	202500016386

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

June 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	JEFFERSON WV
Recording Date	Jun 28, 2017
Property Address	85 RAMS CT, SHEPHERDSTOWN, WV 25443-4340
Document Number	001192/700
Book / Page	1192 / 700
Map Reference	MB 21 PG 22,22A-22D
Instrument Date	Jun 27, 2017
Instrument	201700012020
Transaction Type	Transfer
Record Updated	Sep 8, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,254.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85 RAMS CT, SHEPHERDSTOWN, WV 25443-4340

Mortgage

Document Number	201700012021
Date	Jun 28, 2017
Instrument	201700012021

Lender

Name	SIERRA PACIFIC MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2047

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	$3,568.00 (+1.57%)	$309,400 (+2.31%) Land $63,900 Building $245,500	$515,667 (+2.31%) Land $106,500 Building $409,167
2025	$3,513.00 (+6.52%)	$302,400 (+7.08%) Land $54,100 Building $248,300	$504,000 (+7.1%) Land $90,100 Building $413,900
2023	$3,298.00	$282,400 Land $54,100 Building $228,300	$470,600 Land $90,100 Building $380,500

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	1 in force
Nearby Flood Claims	7 (1984–1996)
Claims Outside the SFHA	6 of 7
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 · 2 claims Flooding, Jan 1996 · 2 claims Severe Storms & Flooding, Nov 1985 · 2 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

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	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	CORPORATION OF SHEPHERDSTOWN serves 4,300 people · EPA ID WV3301933
Water Source	Surface water
Last State Inspection	Dec 2024
Lead	2 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	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 101 locations within half a mile, as of December 31, 2025

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

May also be available: Glo Fiber.

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