115 Pine Bay Dr, Union Hall, VA 24176 Property Records

Franklin County property record for 115 Pine Bay Dr, Union Hall, VA 24176

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,240 sqft · built 2002
Lot Size	0.599 acres (26,092 sqft)
Owner	Individual Name on Record
Last Sale	$1,600,000 (Nov 2023)
Tax Bill	$6,595 (2025)
Deeds & Mortgages	Nov 2023 Sale Nov 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`048 11-027 00`

Property Details

APN / Parcel Number

Primary APN	`048 11-027 00`
Alternative APN	`15345`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	1 Story
Building Area	2,240 sqft Living Area
Gross Area	4,008 sqft
1st Floor Area	2,240 sqft
Basement Area	2,240 sqft
Finished Basement	1,680 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2015
Exterior Material	Brick
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	26,092 sqft (0.599 acres)
Terrain	Rolling
View / Lot	Waterfront
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	340 sqft
Deck Area	160 sqft
Patio Area	140 sqft
Storage Building	Storage Building
Boat Access	Boat Access
Boat House	288 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	15345
Street Address	115 PINE BAY DR
City	UNION HALL
State	VA
Zip	24176-4055
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	CONTENTMENT ISLAND LOT 27 SECTION 1
Legal Subdivision	CONTENTMENT ISLAND
Legal Lot Number	27
Jurisdiction	FRANKLIN VA
Township / Civil Division	UNION HALL
Census Block Group	3
Census Block	3007
Census Tract	20102

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	115 PINE BAY DR, UNION HALL, VA 24176-4055
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 15, 2023	Deed, Transfer ACCOMODATION, ACCOMMODATION
Nov 19, 2021	Deed of Trust, Mortgage · Line of Credit COGENT BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 15, 2023 · Amount on Record
Deed Sale	Nov 15, 2023 · Amount on Record
Prior Sale	Jul 9, 2007
Deed Document Number	20236745
Deed Book / Page	1206 / 980
Record Updated	Sep 20, 2026

November 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN VA
Recording Date	Nov 15, 2023
Property Address	115 PINE BAY DR, UNION HALL, VA 24176-4055
Document Number	0004500817
Book / Page	450 / 817
Map Reference	MB 450 PG 817
Instrument Date	Nov 10, 2023
Instrument	230006745
Transaction Type	Transfer
Record Updated	Dec 18, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount Recorded
Tax	$800.00
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	115 PINE BAY DR, UNION HALL, VA 24176-4055

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	115 PINE BAY DR, UNION HALL, VA 24176-4055
Transaction Type	Mortgage
Record Updated	Dec 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0011742395
Date	Nov 19, 2021
Book Page	1174/2395
Instrument	210010934

Lender

Name	COGENT BANK
Type	Bank
Address	ROANOKE, VA 24013

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	239 Months
Due	Oct 6, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$6,595.00 (+19.37%)	$1,533,900 (+69.34%) Land $437,000 Building $1,096,900	$1,533,900 (+69.34%) Land $437,000 Building $1,096,900
2023	$5,525.00	$905,800 (-) Land $415,000 Building $490,800	$905,800 (-) Land $415,000 Building $490,800
2022		$905,800 Land $415,000 Building $490,800	$905,800 Land $415,000 Building $490,800

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	31 units insured incl. 24 condo units

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 95% of the US · lower than 97.5% of Virginia
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 59 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Glo Fiber Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: SMLW Broadband.

Cell Coverage

5G (outdoors only) and 4G LTE

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