8554 Summit Point Rd, Charles Town, WV 25414 Property Records

Jefferson County property record for 8554 Summit Point Rd, Charles Town, WV 25414

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,700 sqft · built 1915
Lot Size	2.36 acres (102,802 sqft)
Owner	2 Individual Names on Record
Last Sale	$317,588 (Dec 2021)
Tax Bill	$2,452 (2026)
Deeds & Mortgages	Apr 2021 Mortgage Feb 2023 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`02-11-0030.0000`

Property Details

APN / Parcel Number

Primary APN	`02-11-0030.0000`
Alternative APN	`19-02-11-0030.0000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,700 sqft Living Area
1st Floor Area	1,700 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Brick
Lot Area	102,802 sqft (2.36 acres)
Terrain	Rolling

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	8554 SUMMIT POINT RD
City	CHARLES TOWN
State	WV
Zip	25414-5021
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2.36 AC COLSTON - SWIMLEY
Legal Subdivision	MILTONS LANDING
Jurisdiction	JEFFERSON WV
Township / Civil Division	KABLETOWN
Census Block Group	2
Census Block	2007
Census Tract	972501

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	8554 SUMMIT POINT RD, CHARLES TOWN, WV 25414-5021
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 21, 2021	Deed of Trust, Mortgage · Commercial Mortgage RIDGECREST INVESTMENTS INC
Feb 2, 2023	Deed, Transfer · Conventional Mortgage WESBANCO BANK INC
Jan 13, 2023	Deed, Transfer · Conventional Mortgage TOWNEBANK MORTGAGE
Dec 15, 2021	Deed, Transfer · Conventional Mortgage SPECTRUM CU
Apr 21, 2021	Deed, Transfer
Nov 17, 2020	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 15, 2021 · Amount on Record
Deed Sale	Dec 15, 2021 · Amount on Record
Deed Document Number	20214
Deed Book / Page	1273 / 66
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON WV
Property Address	8554 SUMMIT POINT RD, CHARLES TOWN, WV 25414-5021
Transaction Type	Mortgage
Record Updated	Oct 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	412 W BURR BLVD, KEARNEYSVILLE, WV 25430-4792
Investor	Possibly a Property Investor

Mortgage

Document Number	002370/541
Date	Apr 21, 2021
Book Page	2370/541
Instrument	202100006956

Lender

Name	RIDGECREST INVESTMENTS INC
Type	Non-Lending Institution
Address	FREDERICK, MD 21701

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

February 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	JEFFERSON WV
Recording Date	Feb 2, 2023
Property Address	8554 SUMMIT POINT RD, CHARLES TOWN, WV 25414-5021
Document Number	001296/702
Book / Page	1296 / 702
Map Reference	CAB 26 PG 362
Instrument Date	Jan 30, 2023
Instrument	202300001087
Transaction Type	Transfer
Record Updated	Feb 14, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,940.00
Amount Accuracy	Full Amount Stated
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	86 FLORENCE CT, CHARLES TOWN, WV 25414-5414

Mortgage

Document Number	202300001088
Date	Feb 2, 2023
Instrument	202300001088

Lender

Name	WESBANCO BANK INC
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Type Change Date	Feb 1, 2030
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	10.8%
Index	1-Year T-Bill
Margin	3
Max Rate	10.8%

January 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	JEFFERSON WV
Recording Date	Jan 13, 2023
Property Address	8554 SUMMIT POINT RD, CHARLES TOWN, WV 25414-5021
Document Number	001295/535
Book / Page	1295 / 535
Map Reference	CAB 26 PG 362
Instrument Date	Jan 9, 2023
Instrument	202300000391
Transaction Type	Transfer
Record Updated	Feb 14, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,205.00
Amount Accuracy	Full Amount Stated
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	202 NAPLES WAY, CHARLES TOWN, WV 25414-5474

Mortgage

Document Number	202300000392
Date	Jan 13, 2023
Instrument	202300000392

Lender

Name	TOWNEBANK MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2053

December 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	JEFFERSON WV
Recording Date	Dec 15, 2021
Property Address	8554 SUMMIT POINT RD, CHARLES TOWN, WV 25414-5021
Document Number	0001273/66
Book / Page	1273 / 66
Map Reference	MB 26 PG 292
Instrument Date	Dec 10, 2021
Instrument	202100021014
Transaction Type	Transfer
Record Updated	Feb 14, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,558.20
Amount Accuracy	Full Amount Stated
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	8554 SUMMIT POINT RD, CHARLES TOWN, WV 25414-5021
Investor	Possibly a Property Investor

Mortgage

Document Number	202100021015
Date	Dec 15, 2021
Instrument	202100021015

Lender

Name	SPECTRUM CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

April 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	JEFFERSON WV
Recording Date	Apr 21, 2021
Property Address	8554 SUMMIT POINT RD, CHARLES TOWN, WV 25414-5021
Document Number	001258/623
Book / Page	1258 / 623
Map Reference	MB 278 PG 518
Instrument Date	Apr 7, 2021
Instrument	202100006911
Transaction Type	Transfer
Record Updated	Feb 14, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Investor	Possibly a Property Investor

November 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	JEFFERSON WV
Recording Date	Nov 17, 2020
Property Address	8554 SUMMIT POINT RD, CHARLES TOWN, WV 25414-5021
Document Number	0000015753
Book / Page	001252 / 000005
Instrument Date	Sep 23, 2020
Instrument	15753
Transaction Type	Transfer
Record Updated	Dec 8, 2020
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8554 SUMMIT POINT RD CHARLES TOWN WV 254145021, CHARLES TOWN, WV 25414-5021

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	$2,452.00 (+2.55%)	$212,600 (+3.3%) Land $87,600 Building $125,000	$354,333 (+3.3%) Land $146,000 Building $208,333
2025	$2,391.00 (+5.33%)	$205,800 (+5.86%) Land $80,400 Building $125,400	$343,000 (+5.86%) Land $134,000 Building $209,000
2023	$2,270.00	$194,400 Land $80,400 Building $114,000	$324,000 Land $134,000 Building $190,000

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
Nearby Flood Policies	3 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.

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 56 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

8554 Summit Point Rd, Charles Town, WV 25414 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

April 2021: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

February 2023: Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

January 2023: Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

December 2021: Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

April 2021: Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

November 2020: Grant Deed, Transfer

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Internet Providers

Nearby Properties on Summit Point Rd

Nearby Streets

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