120 Binnacle Dr, Moneta, VA 24121 Property Records

Franklin County property record for 120 Binnacle Dr, Moneta, VA 24121

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,010 sqft · built 2007
Lot Size	0.73 acres (31,799 sqft)
Owner	Individual Name on File
Last Sale	$215,000 (Dec 2009)
Tax Bill	$2,631 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Jan 2024 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`031 04-004 00`

Property Details

APN / Parcel Number

Primary APN	`031 04-004 00`
Alternative APN	`7860`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,010 sqft Living Area
Gross Area	5,726 sqft
1st Floor Area	2,986 sqft
Basement Area	1,614 sqft
Finished Basement	900 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2014
Exterior Material	Wood
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	31,799 sqft (0.73 acres)
Terrain	Rolling
Garage Area	783 sqft
Driveway	Asphalt Driveway
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	160 sqft
Deck Area	16 sqft
Patio Area	1,262 sqft
Balcony Area	24 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	7860
Street Address	120 BINNACLE DR
City	MONETA
State	VA
Zip	24121-2201
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	THE WATER FRONT LOT 4 SECTION 3
Legal Subdivision	THE WATER FRON
Legal Lot Number	4
Jurisdiction	FRANKLIN VA
Township / Civil Division	GILLS CREEK
Census Block Group	1
Census Block	1008
Census Tract	20104

Owner

120 Binnacle Dr is owned and occupied by an individual who bought it in December 2009.

Source: Franklin County records, as of September 15, 2026

Owner of Record	Individual Name on File
Mailing Address	120 BINNACLE DR, MONETA, VA 24121-2201
Occupancy	Owner Occupied
Owner Type	Individual

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
Dec 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
Jan 31, 2024	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 4, 2009 · Amount on File
Deed Sale	Dec 4, 2009 · Amount on File
Prior Sale	Oct 5, 2009 · Amount on File
Deed Document Number	200910631
Deed Book / Page	972 / 554
Prior Transfer Date	Sep 10, 2009
Prior Transfer Doc	00096801950
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	120 BINNACLE DR, MONETA, VA 24121-2201
Transaction Type	Mortgage
Record Updated	Jan 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0011751996
Date	Dec 8, 2021
Book Page	1175/1996
Instrument	210011387

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23452

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2037

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	120 BINNACLE DR, MONETA, VA 24121-2201
Transaction Type	Mortgage
Record Updated	Jan 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 BINNACLE DR, MONETA, VA 24121-2201

Mortgage

Document Number	0012082241
Date	Jan 31, 2024
Book Page	1208/2241
Instrument	240000544

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 120 Binnacle Dr was $2,631.

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	$2,631.00	$611,900 Land $40,000 Building $571,900	$611,900 Land $40,000 Building $571,900
2023	$2,558.00	$419,500 (-) Land $35,000 Building $384,500	$419,500 (-) Land $35,000 Building $384,500
2022		$419,500 Land $35,000 Building $384,500	$419,500 Land $35,000 Building $384,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 120 Binnacle Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 120 Binnacle Dr is low, with a 0.01% 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	0.01% annual chance
Exposure	Direct burnable vegetation

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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