Enjoy a life of peace and quiet in this beautifully renovated rancher, secluded on a partially wooded 1.26 acres in Riverside Acres. This 2020 renovation paid much attention to detail with its many exquisite features like unique industrial lighting throughout, shiplap doors and an eye-catching front entry with deck and a solid wood medieval front door. There are attractive hardwood floors throughout the entire house and the entry foyer has a designed ceramic tile floor. The open living room/dining room combination has a wood beamed ceiling with a large bay window for much natural lighting and opens to the all-new gourmet kitchen. This kitchen has a large peninsula, granite countertops, stainless steel appliances and a deep farm sink in front of a window for viewing or daydreaming. The white cabinets with contrasting black backsplash have soft-close doors and drawers. Off the kitchen is the family room that adds warmth and beauty with a stone wood-burning fireplace and French doors leading to the expansive wood deck for outside enjoyment like your morning coffee or evening barbecue. The primary bedroom has French doors and a bath with an oversized walk-in shower and double vanity with plenty of storage. Two additional bedrooms are served by a second full bath also with a double vanity. This is an all-electric home with a new heat pump and a full-house fan. Other great features this property has to offer is access to the Potomac River and a private community beach and recreational center for the whole family to enjoy. Within half of a mile, you can take a short walk to enjoy swimming, fishing, kayaking, canoeing and other water activities. As this property is located near Shepherdstown and Harpers Ferry, you can enjoy all the amenities these towns have to offer. Also with this property, you can live in nature and commute to the city. Schedule today to see this charming home!
3 BR, 2 BA rancher located in Riverside Acres. This home is situated on 1.26 acres of land and includes river access, as well as a community waterfront recreational area. Family room offers a wood burning fireplace. Each bedroom includes a ceiling fan, while the Master Bedroom also features a sliding glass door. Plenty of outdoor space and privacy to enjoy! Property being sold "as-is, where-is".
BRIGHT MLS #WVJF137838
Mar 14, 2020
Listing Removed
—
Feb 20, 2020
Listed
$168,000
$107/sq ft
Public Records
Dec 19, 2011
Sold
$219,000
$140/sq ft
Public Records
Jan 4, 1993
Sold
$75,000
$48/sq ft
Year
Property tax
Land + Additions
Assessment*
2026
$2,054 (+0.5%)
$47,900 + $130,200
$178,100
2025
$2,043 (+6.5%)
$44,300 + $131,500
$175,800
2024
$1,917 (+1.7%)
$44,300 + $119,500
$163,800
2023
$1,885 (+8.1%)
$41,900 + $119,500
$161,400
2022
$1,745 (+42.2%)
$41,900 + $104,500
$146,400
2021
$1,227 (+6.7%)
$50,100 + $50,900
$101,000
2020
$1,149 (−2.5%)
$50,100 + $50,900
$101,000
2019
$1,179 (+10.2%)
$50,100 + $51,600
$101,700
2018
$1,070 (+7.2%)
$41,300 + $49,800
$91,100
2017
$998
$35,400 + $49,600
$85,000
2016
$999 (+2.7%)
$35,000 + $50,300
$85,300
2014
$973 (+2.2%)
$35,000 + $47,800
$82,800
2013
$952 (+9.6%)
$35,000 + $46,500
$81,500
2012
$869 (−6.1%)
$35,000 + $40,200
$75,200
2011
$926 (−31.5%)
$35,000 + $46,700
$81,700
2010
$1,351 (−9.5%)
$70,700 + $50,900
$121,600
2009
$1,493 (−1.8%)
$70,700 + $68,600
$139,300
2008
$1,520
$70,700 + $68,600
$139,300
Tax history for 195 Harlow Rd
Year
Property tax
Land + Additions
Assessment*
2026
$2,054 (+0.5%)
$47,900 + $130,200
$178,100
2025
$2,043 (+6.5%)
$44,300 + $131,500
$175,800
2024
$1,917 (+1.7%)
$44,300 + $119,500
$163,800
2023
$1,885 (+8.1%)
$41,900 + $119,500
$161,400
2022
$1,745 (+42.2%)
$41,900 + $104,500
$146,400
2021
$1,227 (+6.7%)
$50,100 + $50,900
$101,000
2020
$1,149 (−2.5%)
$50,100 + $50,900
$101,000
2019
$1,179 (+10.2%)
$50,100 + $51,600
$101,700
2018
$1,070 (+7.2%)
$41,300 + $49,800
$91,100
2017
$998
$35,400 + $49,600
$85,000
2016
$999 (+2.7%)
$35,000 + $50,300
$85,300
2014
$973 (+2.2%)
$35,000 + $47,800
$82,800
2013
$952 (+9.6%)
$35,000 + $46,500
$81,500
2012
$869 (−6.1%)
$35,000 + $40,200
$75,200
2011
$926 (−31.5%)
$35,000 + $46,700
$81,700
2010
$1,351 (−9.5%)
$70,700 + $50,900
$121,600
2009
$1,493 (−1.8%)
$70,700 + $68,600
$139,300
2008
$1,520
$70,700 + $68,600
$139,300
*Taxable value of land and structures on it ("additions") is determined regularly by local assessors and does not affect market price.
Public record
Public record
Zoning
Beds
3
Baths
2
Stories
1
Lot width
—
Lot depth
—
Lot size
1.68 Acres
Year renovated
—
Sq. Ft.
1,566
Year built
1977
Style
Single Family Residential
County
Jefferson County
APN
09 19A007600000000
Parking Spaces
—
Basement
—
Accessible
—
HOA Dues
—
Garage
—
Features
—
Last updated by owner on Oct 14, 2026.
R
Rural (Agricultural) District
The purpose of this district is to provide a location for low density single family residential development in conjunction with providing continued farming activities. This district is generally not served with public water or sewer facilities although certain size developments processed under the cluster provision of Section 5.7D(2) may choose to do so. A primary function of the low density residential development permitted within this section is to preserve the rural character of the County and the agricultural community. All lots subdivided in the Rural District are subject to Section 5.7D. The Envision Jefferson 2035 Comprehensive Plan recommends that the cluster provision of the Zoning Ordinance be the preferred method of residential development in the Rural zoning district.
Interior Features: Attic/House Fan, Combination Dining/Living, Family Room Off Kitchen, Kitchen - Gourmet, Master Bath(s), Upgraded Countertops, Wood Floors
Living Area Sq.Ft. Source: Assessor
Wall & Ceiling Types: Beamed Ceilings
Room Information
Living Room, Dining Room, Master Bedroom, Bedroom 2, Bedroom 3, Kitchen, Family Room, Foyer
Laundry Type: Hookup, Main Floor
Fireplace Information
Has Fireplace
# of Fireplaces: 1
Stone
Basement Information
Basement: No
Exterior
Property Information
Not Federal Flood Zone
Total Below Grade Sq. Ft.: 0
Improvement Assessed Value: $50,900
Ownership Interest: Fee Simple
Property Condition: Excellent
Year Built Source: Assessor
Year Major Reno/Remodel: 2021
Building Information
Construction Materials: Wood Siding
Other Structures: Above Grade, Below Grade
Outdoor Living Structures: Deck(s)
Roof: Asphalt, Shingle
Structure Type: Detached
Window Features: Bay/Bow
Exterior Information
Outbuilding(s)
Lot Information
Lot Features: Private, Trees/Wooded, Partly Wooded, Secluded, Sloping
Navigable Water
Tidal Water: No
Land Information
Land Assessed Value: $50,100
Above Grade Information
Finished Sq.Ft.: 1,566
Finished Sq.Ft. Source: Assessor
Below Grade Information
Unfinished Sq.Ft. Source: Assessor
Finished Sq.Ft. Source: Assessor
Financial
Tax Information
County Tax: $1,149
Tax Assessed Value: $101,000
Tax Year: 2020
Tax Annual Amount: $1,149
Assessments Information
Year Assessed: 2020
Lease Information
Lease Considered: No
Utilities
Utilities Information
Central Air
Cooling Type: Central A/C, Heat Pump(s)
Cooling Fuel: Electric
Heat Pump(s)
Heating Fuel: Electric
Hot Water: Electric
Sewer Septic: On Site Septic
Water Source: Well
Location
Homeowners Association Information
HOA/Condo/Coop Fee Includes: Road Maintenance
HOA/Condo/Coop Amenities: Recreational Center
HOA Fee: $160
HOA Fee Frequency: Annually
School Information
School District Name: JEFFERSON COUNTY SCHOOLS
School District Source: Listing Agent
Location Information
Outside City Limits
Directions: From Charles Town, take 340N towards Harpers Ferry. Turn left onto Bakerton Rd. Turn right onto Co28/1/Duncan Rd. Continue straight onto Harlow Rd. Home will be on the left. See sign.
Waterfrontage Information
Water Access Features: Canoe/Kayak, Fishing Allowed, Private Access
Water Access
Water Oriented
Water Body Type: River
Water Body Name: Potomac River
Public facts
Beds: 3
Baths: 2.0
Sq. Ft.: 1,566
Stories: 1.0
Lot Size: 1.68 acres
Style: Single Family Residential
Year Built: 1977
Year Renovated: —
County: Jefferson County
APN: 09 19A007600000000
Home facts updated by county records on Oct 14, 2026
Around this home
Schools
Shepherdstown Elementary School
Public PreK-5 • Assigned • 4.2mi
7/10
Shepherdstown Middle School
Public 6-8 • Assigned • 4.4mi
8/10
Jefferson High School
Public 9-12 • Assigned • 5.5mi
7/10
Provided by GreatSchools
Lifestyle
Provided by Walk Score and Local Logic
Climate risks
1/10 Flood Factor
Minimal risk of a flood reaching the building in the next 30 years
1/10 Fire Factor
Unlikely to be in a wildfire in next 30 years
5/10 Heat Factor
7 days above 101° expected this year, 16 days in 30 years
3/10 Wind Factor
4% chance of strong winds in next 30 years
2/10 Air Factor
1 unhealthy days expected this year, 2 days in 30 years
Provided by First Street
Historical weather
Harpers Ferry, WV • 25425
Average low and high temperatures (°F)
36
21
43
27
61
38
69
47
73
53
84
63
88
69
81
61
79
57
68
45
57
38
43
27
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Sun exposure
In this area, properties receive around 9.1 hours in
June and 3.8 hours in December, placing it below the
U.S. average for solar exposure.
9.1 hrs
3.8 hrs
JuneDecember
Provided by Shadowmap
Estimated sale price
$362,000 – $438,000
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