103 Waterside Dr, Moneta, VA 24121 Property Records

Franklin County property record for 103 Waterside Dr, Moneta, VA 24121

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,835 sqft · built 2005
Lot Size	0.708 acres (30,840 sqft)
Owner	Individual Name on Record
Last Sale	$189,000 (Mar 2017)
Tax Bill	$1,546 (2025)
Deeds & Mortgages	Jan 2024 Line of Credit Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`031 07-094 00`

Property Details

APN / Parcel Number

Primary APN	`031 07-094 00`
Alternative APN	`8134`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,835 sqft Living Area
Gross Area	2,291 sqft
1st Floor Area	1,819 sqft
Basement Area	1,819 sqft
Unfinished Basement	1,819 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2012
Exterior Material	Vinyl
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	30,840 sqft (0.708 acres)
Terrain	Rolling
Driveway	Asphalt Driveway
Deck Area	432 sqft
Patio Area	24 sqft
Balcony Area	16 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	8134
Street Address	103 WATERSIDE DR
City	MONETA
State	VA
Zip	24121-2214
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	FAIRWAY BAY LOT 4 PHASE IV
Legal Subdivision	FAIRWAY BAY
Legal Phase	4
Legal Lot Number	4
Jurisdiction	FRANKLIN VA
Township / Civil Division	GILLS CREEK
Census Block Group	1
Census Block	1008
Census Tract	20104

Owner

Source: Franklin County records, as of June 19, 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	PO BOX 771, WIRTZ, VA 24184-0771
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 9, 2024	Deed of Trust, Mortgage · Line of Credit RIDGE VIEW LPO
Dec 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN NATIONAL BANK & TRUST CO
Mar 13, 2017	Grant Deed, Transfer · Conventional with PMI AMERICAN NAT'L BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 13, 2017 · Amount on Record
Deed Sale	Mar 13, 2017 · Amount on Record
Prior Sale	Feb 10, 2016 · Amount on Record
Deed Document Number	20171499
Deed Book / Page	1090 / 82
Record Updated	Sep 20, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	103 WATERSIDE DR, MONETA, VA 24121-2214
Transaction Type	Mortgage
Record Updated	Mar 11, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 771, HARDY, VA 24101-0771

Mortgage

Document Number	0012080044
Date	Jan 9, 2024
Book Page	1208/44
Instrument	240000141

Lender

Name	RIDGE VIEW LPO
Type	Bank
Address	HARDY, VA 24101

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	103 WATERSIDE DR, MONETA, VA 24121-2214
Transaction Type	Mortgage
Record Updated	Sep 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0011521843
Date	Dec 7, 2020
Book Page	1152/1843
Instrument	200010053

Lender

Name	AMERICAN NATIONAL BANK & TRUST CO
Type	Bank
Address	DANVILLE, VA 24543

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2036

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FRANKLIN VA
Recording Date	Mar 13, 2017
Property Address	103 WATERSIDE DR, MONETA, VA 24121-2214
Document Number	0010900082
Book / Page	00109 / 000082
Instrument Date	Feb 28, 2017
Instrument	1499
Transaction Type	Transfer
Record Updated	Aug 17, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$189.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 WATERSIDE DR MONETA VA 241212214, MONETA, VA 24121-2214

Mortgage

Document Number	10900084
Date	Mar 13, 2017
Book Page	001090/000084
Instrument	1500

Lender

Name	AMERICAN NAT'L BK
Type	Bank
Address	DANVILLE, VA 24543

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 12, 2047

Tax Assessment & Valuation

Source: Franklin County assessment roll, as of June 19, 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Franklin County
Unified School District	Franklin County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,546.00 (+10.43%)	$359,600 (+56.62%) Land $52,000 Building $307,600	$359,600 (+56.62%) Land $52,000 Building $307,600
2023	$1,400.00	$229,600 (-) Land $45,000 Building $184,600	$229,600 (-) Land $45,000 Building $184,600
2022		$229,600 Land $45,000 Building $184,600	$229,600 Land $45,000 Building $184,600

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 January 6, 2010 · 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	6 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 71% of 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	WESTERN VIRGINIA WATER AUTHORITY serves 182,700 people · EPA ID VA2770900
Water Source	Surface water
Last State Inspection	Aug 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jan 2020 Haloacetic acids resolved · Jul 2017
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 33 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Glo Fiber Cable	1,000 / 50
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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