Title & escrow • Morgan County, West Virginia
Title and escrow across Morgan County.
From Berkeley Springs and the Cacapon River valley to Paw Paw and the rural mountain land, Prime Title and Escrow handles residential and commercial closings across Morgan County with attorney-led care. Clear title, protected funds, and closings that land on time, in person or fully remote.
Mortgage Rates
30-Yr Fixed6.53%15-Yr Fixed5.69%5/1 ARM6.10%FHA 30-Yr6.30%VA 30-Yr5.63%Jumbo 30-Yr6.45%30-Yr Refi6.64%30-Yr Fixed6.53%15-Yr Fixed5.69%5/1 ARM6.10%FHA 30-Yr6.30%VA 30-Yr5.63%Jumbo 30-Yr6.45%30-Yr Refi6.64%
National averages as of June 17, 2026Prime Title and Escrow is a title and escrow company, not a lender. Rates are for general information, not an offer. Contact a lender for a personalized quote.
Local to Morgan County
A rural, scenic corner of the Eastern Panhandle.
Morgan County is the small, rural northern tip of the Eastern Panhandle, with about 17,400 residents. Berkeley Springs, officially the Town of Bath, is the county seat and a historic spa town that draws second-home and weekend buyers. A sale here records with the Morgan County Clerk in Berkeley Springs, under West Virginia law rather than Virginia’s.
Many properties here are rural, with wells, septic, and acreage, and many buyers come from Virginia, Maryland, and the Washington area for a getaway or a quieter pace. We close on both sides of the border, in person and fully remote. Our guide to buying a home in the Eastern Panhandle and our overview of title insurance in West Virginia walk through what changes across the line.
What shapes a Morgan County closing
- Deeds record with the Morgan County Clerk in Berkeley Springs
- West Virginia transfer tax, customarily paid by the seller
- Wells, septic, and acreage on rural property
- Second homes and weekend buyers around Berkeley Springs
- Cacapon State Park and the Cacapon River corridor
- Buyers arriving from Virginia and Maryland
Morgan County by the numbers
A small county with deep roots and high ownership.
17.4K
residents, the smallest Eastern Panhandle county
U.S. Census Bureau
$241K
median value of owner-occupied homes
U.S. Census Bureau
84%
owner-occupied, among the highest in the state
U.S. Census Bureau
$72K
median household income
U.S. Census Bureau
Behind every one of those homes is a title that has to transfer clean. That is our work.
Where we close in Morgan County
Across the whole county.
Morgan County runs from the historic spa town of Berkeley Springs to the rural land along the Cacapon River and the mountain ridges. We close throughout the county, for buyers, sellers, and lenders.
The county and its seat
Berkeley Springs, the Town of Bath, is the county seat, with the courthouse and the county land records. Deeds record with the Morgan County Clerk in Berkeley Springs, and we close throughout the county.
Berkeley Springs • Bath • Great Cacapon • Paw Paw
Where deeds recordDeeds for Morgan County property record with the Morgan County Clerk, the Clerk of the County Commission, in Berkeley Springs, and we handle that filing for you as part of closing.
Towns and communities across the county
From the county seat to the river corridor and the rural land between, here are the areas we serve.
Berkeley Springs and around the seat: the historic spa town, the arts district, and the surrounding neighborhoods.
The river corridor: Great Cacapon and the land along the Cacapon and Potomac rivers.
The western end: Paw Paw and the rural land toward the Maryland line.
The countryside: Cacapon State Park, the mountain ridges, and the rural acreage between.
The same standard, every closing
What we handle on a Morgan County file.
Title search and exam
We trace ownership and pull what is recorded against the property in the Morgan County land records. More on what a title company does.
Clearing the title
Liens, judgments, easements, and association questions resolved before closing, so title transfers clean and insurable.
Secure escrow
Your funds held and disbursed through protected escrow, with wire instructions verified by phone.
Recording and policy
We record the deed with the Morgan County Clerk and issue your title insurance policy.
Closing costs in Morgan County
What you can expect at the table.
West Virginia handles transfer taxes differently from Virginia. The state charges an excise tax on the transfer of real estate, and the county adds its own excise tax on top, so the combined rate depends on the county. As grantor, the seller customarily pays this transfer tax.
The exact amount depends on your sale price and the county’s rate. We calculate the precise numbers for your transaction and lay them out before closing. For the title side, see our overview of title insurance in West Virginia.
Recording charges on a Morgan County sale
- State excise tax: $1.10 per $500 of value (W. Va. Code 11-22-2), customarily the seller
- County excise tax: an added county portion on top of the state tax, set by the county
- A $20 affordable housing fee collected by the county clerk at recording
- Recording fees set by the Morgan County Clerk, plus the deed of trust on a financed purchase
Sources: West Virginia Code, Chapter 11, Article 22, and the Morgan County Clerk. This is general information, not tax or legal advice, and the exact amount depends on your transaction.
Protect your funds
A Morgan County closing moves real money, and that draws wire fraud.
A home purchase is one of the largest payments most people ever make, and that makes a closing a target. We use protected escrow and verified wire instructions, and we confirm details by phone before any funds move.
Before you send a dollar, call our office and confirm the instructions with a person you have spoken with. We will never send new wire instructions by email out of the blue. Learn how wire fraud and escrow safety in West Virginia work so you know what to watch for.
Before you wire a dollar
- Call our office at a number you looked up yourself
- Confirm the wire instructions with a person by phone
- Treat any emailed change of instructions as fraud until verified
- Ask your bank to confirm the receiving name, not just the number
- Keep a record of who you spoke with and when
Why Morgan County clients choose Prime
Attorney-led, independent, in person or remote.
Attorney-led
Two real estate attorneys oversee your file, so when a title question comes up, you have legal judgment on it, not a checklist.
Independent and neutral
We run no affiliated arrangements and pay no referral kickbacks. Our loyalty is to your closing and a clean transfer of title.
In person or fully remote
We close in both Virginia and West Virginia and handle Morgan County closings in person and fully remote, with verified funds, so distance is never a barrier.
Rural property handled with care
Wells, septic, acreage, easements, and second homes, reviewed carefully so a rural closing is as clean as any other.
How a closing runs
A clear path from contract to recording.
1
Open and order
We open the file and order the title search and any survey for the property.
2
Title commitment
We review what is recorded and surface liens, easements, and association concerns.
3
Clear and confirm
We resolve defects and confirm the figures with your lender and the parties.
4
Coordinate closing
We align buyer, seller, lender, and agents, and schedule the signing.
5
Fund and record
We protect and disburse the funds, record the deed with the Morgan County Clerk, and issue the policy.
Morgan County questions
What people ask us.
Do you handle closings throughout Morgan County?
Yes. We close across the entire county, from Berkeley Springs to Paw Paw and the rural areas along the Cacapon River, for buyers, sellers, and lenders, residential and commercial.
Where do Morgan County deeds get recorded?
Deeds record with the Morgan County Clerk, the Clerk of the County Commission, in Berkeley Springs, not a circuit court. That recording makes the transfer part of the public record, and we handle the filing for you as part of closing.
What is the transfer tax on a Morgan County sale?
West Virginia charges a state excise tax of $1.10 per $500 of value (W. Va. Code 11-22-2), and the county adds its own excise tax on top, so the combined rate depends on the county. As grantor, the seller customarily pays it. We calculate the exact figures for your sale.
Do you have to be in West Virginia to close here?
No. We close in both Virginia and West Virginia, and we handle Morgan County closings in person and fully remote, with verified funds and secure coordination.
Do you handle rural property, wells, and septic?
Yes. Much of Morgan County is rural, with wells, septic systems, easements, and second homes around Berkeley Springs and Cacapon State Park, and we review what is recorded against the property so there are no surprises at closing.
Can you help buyers crossing from Virginia or Maryland?
Yes. Berkeley Springs draws second-home and retirement buyers from across the region, and we close on both sides of the state line. Our guide to buying a home in the Eastern Panhandle covers what changes in West Virginia.
Closing in Morgan County?
Send us the property and the timeline, and we will send back a clear quote with no guesswork. Independent, attorney-led title and escrow for Morgan County and across West Virginia and Virginia.
(703) 552-4155Serving Morgan County and the Eastern Panhandle