105 Windward Dr, Moneta, VA 24121 Property Records

Franklin County property record for 105 Windward Dr, Moneta, VA 24121

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 1,257 sqft · built 1980
Lot Size	0.473 acres (20,604 sqft)
Owner	2 Individual Names on Record
Last Sale	$990,000 (Oct 2024)
Tax Bill	$2,963 (2025)
Deeds & Mortgages	Sep 2020 Transfer Jan 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`031 03-028 00`

Property Details

APN / Parcel Number

Primary APN	`031 03-028 00`
Alternative APN	`7708`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	14 Rooms
Stories	1 Story
Building Area	1,257 sqft Living Area
Gross Area	2,192 sqft
1st Floor Area	1,247 sqft
Basement Area	1,247 sqft
Finished Basement	1,247 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 2004
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	20,604 sqft (0.473 acres)
Terrain	Rolling
View / Lot	Waterfront

Exterior Amenities

Porch	Patio
Porch Area	436 sqft
Deck Area	325 sqft
Balcony Area	10 sqft
Storage Building	39 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	7708
Street Address	105 WINDWARD DR
City	MONETA
State	VA
Zip	24121-2321
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	THE WATER FRONT LOT 26 SECTION 2
Legal Subdivision	THE WATER FRON
Legal Lot Number	26
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	2 Individual Names on Record
Mailing Address	15012 WELLWOOD RD, SILVER SPRING, MD 20905-5764
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Jan 24, 2020	Deed of Trust, Mortgage · Conventional with PMI ATLANTIC BAY MTG
Jan 17, 2019	Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 18, 2024 · Amount on Record
Deed Sale	Oct 18, 2024 · Amount on Record
Prior Sale	Jan 17, 2019 · Amount on Record
Deed Document Number	20246345
Deed Book / Page	1220 / 505
Prior Transfer Date	Sep 2, 2020
Prior Transfer Doc	0011472138
Record Updated	Sep 20, 2026

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRANKLIN VA
Recording Date	Sep 24, 2020
Property Address	105 WINDWARD DR, MONETA, VA 24121-2321
Document Number	0011472138
Book / Page	001147 / 002138
Instrument Date	Sep 2, 2020
Instrument	7367
Transaction Type	Transfer
Record Updated	Oct 27, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	103 STAGS LEAP CT CARY NC 275192852, CARY, NC 27519-2852

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	105 WINDWARD DR, MONETA, VA 24121-2321
Document Number	0011341349
Instrument Date	Jan 24, 2020
Transaction Type	Mortgage
Record Updated	Mar 17, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 WINDWARD DR MONETA VA 241212321, MONETA, VA 24121-2321

Mortgage

Document Number	0011341349
Date	Feb 6, 2020
Book Page	001134/001349
Instrument	809

Lender

Name	ATLANTIC BAY MTG
Type	Mortgage Company

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Feb 5, 2050

Interest

Rate Type	Fixed Rate

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN VA
Recording Date	Jan 17, 2019
Property Address	105 WINDWARD DR, MONETA, VA 24121-2321
Document Number	0011171850
Book / Page	001117 / 001850
Instrument Date	Dec 18, 2018
Instrument	339
Transaction Type	Transfer
Record Updated	Feb 19, 2019

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$564.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 STAGS LEAP CT CARY NC 275192852, CARY, NC 27519-2852

Mortgage

Document Number	11171853
Date	Jan 17, 2019
Book Page	001117/001853
Instrument	340

Lender

Name	ATLANTIC BAY MTG
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

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	$2,963.00 (-10.16%)	$689,100 (+27.45%) Land $230,000 Building $459,100	$689,100 (+27.45%) Land $230,000 Building $459,100
2023	$3,298.00	$540,700 (-) Land $225,000 Building $315,700	$540,700 (-) Land $225,000 Building $315,700
2022		$540,700 Land $225,000 Building $315,700	$540,700 Land $225,000 Building $315,700

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
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	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	TOWN OF ROCKY MOUNT serves 6,000 people · EPA ID VA5067840
Water Source	Surface water
Last State Inspection	May 2025
Also Mapped Here	WESTERN VIRGINIA WATER AUTHORITY
Lead	Under 1 ppb (2024–2026) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 80 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Glo Fiber Cable	1,000 / 50

May also be available: SMLW Broadband, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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