109 Windward Dr, Moneta, VA 24121 Property Records

Franklin County property record for 109 Windward Dr, Moneta, VA 24121

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,808 sqft · built 1981
Lot Size	0.625 acres (27,225 sqft)
Owner	Individual Name on Record
Last Sale	$535,000 (Nov 2016)
Tax Bill	$3,023 (2025)
Deeds & Mortgages	Jan 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`031 03-027 00`

Property Details

APN / Parcel Number

Primary APN	`031 03-027 00`
Alternative APN	`7707`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	15 Rooms
Stories	1 Story
Building Area	1,808 sqft Living Area
Gross Area	3,536 sqft
1st Floor Area	1,808 sqft
Basement Area	1,808 sqft
Finished Basement	904 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1997
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	27,225 sqft (0.625 acres)
Terrain	Rolling
View / Lot	Waterfront

Exterior Amenities

Porch	Patio
Porch Area	468 sqft
Deck Area	896 sqft
Patio Area	252 sqft
Boat Access	Boat Access
Boat House	240 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	7707
Street Address	109 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 25 SECTION 2
Legal Subdivision	THE WATER FRON
Legal Lot Number	25
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 September 15, 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	109 WINDWARD DR, MONETA, VA 24121-2321
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 2, 2016 · Amount on Record
Deed Sale	Nov 2, 2016 · Amount on Record
Deed Document Number	20166823
Deed Book / Page	1084 / 2512
Prior Transfer Date	Aug 18, 2005
Prior Transfer Doc	00086402174
Record Updated	Oct 29, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	109 WINDWARD DR, MONETA, VA 24121-2321
Document Number	0010881842
Instrument Date	Jan 20, 2017
Transaction Type	Mortgage
Record Updated	Aug 16, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 WINDWARD DR MONETA VA 241212321, MONETA, VA 24121-2321

Mortgage

Document Number	0010881842
Date	Jan 31, 2017
Book Page	001088/001842
Instrument	668

Lender

Name	SUNTRUST BK
Type	Bank
Address	RICHMOND, VA 23224

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Franklin County assessment roll, as of September 15, 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	$3,023.00 (-5.06%)	$703,200 (+34.71%) Land $250,000 Building $453,200	$703,200 (+34.71%) Land $250,000 Building $453,200
2023	$3,184.00	$522,000 (-) Land $245,000 Building $277,000	$522,000 (-) Land $245,000 Building $277,000
2022		$522,000 Land $245,000 Building $277,000	$522,000 Land $245,000 Building $277,000

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

Nearby Properties on Windward Dr

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