1094 Windlass Rd, Moneta, VA 24121 Property Records

Franklin County property record for 1094 Windlass Rd, Moneta, VA 24121

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,078 sqft · built 2008
Lot Size	0.771 acres (33,585 sqft)
Owner	Individual Name on Record
Last Sale	$455,000 (Jul 2019)
Tax Bill	$2,835 (2025)
Deeds & Mortgages	Oct 2023 Second Mortgage Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`031 00-006 08`

Property Details

APN / Parcel Number

Primary APN	`031 00-006 08`
Alternative APN	`41686`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	3,078 sqft Living Area
Gross Area	5,896 sqft
1st Floor Area	3,077 sqft
Basement Area	1,924 sqft
Finished Basement	1,924 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2015
Exterior Material	Brick
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	33,585 sqft (0.771 acres)
Terrain	Rolling
Garage Area	1,036 sqft
Parking Spaces	4 Parking Spaces
Deck Area	820 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	41686
Street Address	1094 WINDLASS RD
City	MONETA
State	VA
Zip	24121-2789
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	THE WATERFRONT LOT 4 SECTION 14
Legal Subdivision	THE WATERFRON
Legal Lot Number	4
Jurisdiction	FRANKLIN VA
Township / Civil Division	GILLS CREEK
Census Block Group	1
Census Block	1012
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	1094 WINDLASS RD, MONETA, VA 24121-2789
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 11, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC
Jul 16, 2020	Deed of Trust, Mortgage · VA Mortgage PENNYMAC
Jul 23, 2019	Grant Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CTR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 23, 2019 · Amount on Record
Deed Sale	Jul 23, 2019 · Amount on Record
Prior Sale	Oct 31, 2016 · Amount on Record
Deed Document Number	20194384
Deed Book / Page	1124 / 2402
Prior Transfer Date	Mar 7, 2014
Prior Transfer Doc	0010470738
Record Updated	Sep 20, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	1094 WINDLASS RD, MONETA, VA 24121-2789
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0012050233
Date	Oct 11, 2023
Book Page	1205/233
Instrument	230006014

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2038

Interest

Rate	9.87%

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	1094 WINDLASS RD, MONETA, VA 24121-2789
Document Number	0011431769
Instrument Date	Jul 16, 2020
Transaction Type	Mortgage
Record Updated	Sep 1, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1094 WINDLASS RD MONETA VA 241212789, MONETA, VA 24121-2789

Mortgage

Document Number	0011431769
Date	Jul 29, 2020
Book Page	001143/001769
Instrument	5273

Lender

Name	PENNYMAC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 28, 2050

Interest

Rate Type	Fixed Rate

July 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FRANKLIN VA
Recording Date	Jul 23, 2019
Property Address	1094 WINDLASS RD, MONETA, VA 24121-2789
Document Number	0011242402
Book / Page	001124 / 002402
Instrument Date	Jul 8, 2019
Instrument	4384
Transaction Type	Transfer
Record Updated	Sep 4, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$455.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1094 WINDLASS RD MONETA VA 241212789, MONETA, VA 24121-2789

Mortgage

Document Number	11242405
Date	Jul 23, 2019
Book Page	001124/002405
Instrument	4385

Lender

Name	MORTGAGE RESEARCH CTR
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 22, 2049

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	$2,835.00	$659,500 (+17.18%) Land $42,400 Building $617,100	$659,500 (+17.18%) Land $42,400 Building $617,100
2023		$562,800 Land $35,400 Building $527,400	$562,800 Land $35,400 Building $527,400

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	0.02% 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	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 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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