1040 Jefferson Dock Rd, Penhook, VA 24137 Property Records

Franklin County property record for 1040 Jefferson Dock Rd, Penhook, VA 24137

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 1,765 sqft · built 2009
Lot Size	0.749 acres (32,626 sqft)
Owner	Company Name on File
Last Sale	$1,499,900 (Nov 2025)
Tax Bill	$4,789 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Nov 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`051 05-011 00`

Property Details

APN / Parcel Number

Primary APN	`051 05-011 00`
Alternative APN	`15902`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	1,765 sqft Living Area
Gross Area	3,462 sqft
1st Floor Area	1,765 sqft
Basement Area	1,765 sqft
Finished Basement	1,500 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2018
Exterior Material	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	32,626 sqft (0.749 acres)
Terrain	Rolling
View / Lot	Waterfront
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	1,078 sqft
Deck Area	155 sqft
Patio Area	232 sqft
Storage Building	72 sqft
Boat Access	Boat Access
Boat House	288 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	15902
Street Address	1040 JEFFERSON DOCK RD
City	PENHOOK
State	VA
Zip	24137-3316
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RC1
Legal Description	HARBOUR LANDING LOT 11
Legal Subdivision	R LAND
Legal Lot Number	11
Jurisdiction	FRANKLIN VA
Township / Civil Division	UNION HALL
Census Block Group	2
Census Block	2013
Census Tract	20102

Owner

1040 Jefferson Dock Rd is owned by a company that bought it in November 2025.

Source: Franklin County records, as of June 19, 2026

Owner of Record	Company Name on File
Mailing Address	8695 COLLEGE PKWY, 202, FORT MYERS, FL 33919-5815
Owner Type	Company
Vesting	Limited Liability Partnership

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCIAL NETWORK INC
Nov 7, 2025	Bargain and Sale Deed, Transfer FINEMARK NATIONAL BANK & TRUST
Aug 31, 2022	Deed, Transfer · Conventional Mortgage BANK OF THE JAMES
Nov 15, 2019	Warranty Deed, Transfer PRIME LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 7, 2025 · Amount on File
Deed Sale	Nov 7, 2025 · Amount on File
Prior Sale	Aug 31, 2022 · Amount on File
Deed Document Number	20257285
Deed Book / Page	1237 / 535
Prior Transfer Date	Oct 5, 2011
Prior Transfer Doc	0010040967
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	1040 JEFFERSON DOCK RD, PENHOOK, VA 24137-3316
Transaction Type	Mortgage
Record Updated	Dec 9, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0011640005
Date	Jun 3, 2021
Book Page	1164/5
Instrument	210005191

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company
Address	BREA, CA 92821

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Jul 1, 2041

November 2025: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	FRANKLIN VA
Recording Date	Nov 7, 2025
Property Address	1040 JEFFERSON DOCK RD, PENHOOK, VA 24137-3316
Document Number	0012370535
Book / Page	1237 / 535
Map Reference	MB 765 PG 809
Instrument Date	Nov 6, 2025
Instrument	250007285
Transaction Type	Transfer
Record Updated	Dec 9, 2025
Title Company	UNKNOWN, PIKE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$750.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8695 COLLEGE PKWY STE 202, 202, FORT MYERS, FL 33919-5815

Mortgage

Document Number	0250007286
Date	Nov 7, 2025
Instrument	250007286

Lender

Name	FINEMARK NATIONAL BANK & TRUST
Type	Bank

Agreement

Amount	Amount on Record
Term	360 Months
Due	Nov 6, 2055

Interest

Rate Type	Adjustable Rate

August 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN VA
Recording Date	Aug 31, 2022
Property Address	1040 JEFFERSON DOCK RD, PENHOOK, VA 24137-3316
Document Number	0011890227
Book / Page	1189 / 227
Map Reference	MB 365 PG 2467
Instrument Date	Aug 26, 2022
Instrument	220006539
Transaction Type	Transfer
Record Updated	Jun 28, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$564.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	293 WILLIAMS RD, RUSTBURG, VA 24588-2507

Mortgage

Document Number	0220006540
Date	Aug 31, 2022
Instrument	220006540

Lender

Name	BANK OF THE JAMES
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN VA
Recording Date	Nov 15, 2019
Property Address	1040 JEFFERSON DOCK RD, PENHOOK, VA 24137-3316
Document Number	0011301525
Book / Page	001130 / 001525
Instrument Date	Nov 7, 2019
Instrument	7435
Transaction Type	Transfer
Record Updated	Dec 24, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$625.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1040 JEFFERSON DOCK RD PENHOOK VA 24137, PENHOOK, VA 24137

Mortgage

Document Number	11301527
Date	Nov 15, 2019
Book Page	001130/001527
Instrument	7436

Lender

Name	PRIME LNDG

Agreement

Amount	Amount on Record
Term	360 Months
Due	Nov 14, 2049

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 1040 Jefferson Dock Rd was $4,789.

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	$4,789.00	$1,113,800 Land $222,000 Building $891,800	$1,113,800 Land $222,000 Building $891,800
2023	$3,808.00	$624,400 (-) Land $195,000 Building $429,400	$624,400 (-) Land $195,000 Building $429,400
2022		$624,400 Land $195,000 Building $429,400	$624,400 Land $195,000 Building $429,400

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 1040 Jefferson Dock Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	7 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

Wildfire risk around 1040 Jefferson Dock Rd is low, with a 0.02% annual chance of 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	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	COTTAGE EDGE private · serves 80 people · EPA ID VA5067077
Water Source	Groundwater
Last State Inspection	Jan 2024
Also Mapped Here	VISTA POINTE LANDING
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 63 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

May also be available: SMLW Broadband.

Cell Coverage

5G (outdoors only) and 4G LTE

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