122 Windward Dr, Moneta, VA 24121 Property Records

Franklin County property record for 122 Windward Dr, Moneta, VA 24121

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,217 sqft · built 1984
Lot Size	0.708 acres (30,846 sqft)
Owner	Trust Name on Record
Tax Bill	$4,787 (2025)
Deeds & Mortgages	Aug 2022 Transfer Aug 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`031 03-022 00`

Property Details

APN / Parcel Number

Primary APN	`031 03-022 00`
Alternative APN	`7702`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,217 sqft Living Area
Gross Area	5,294 sqft
1st Floor Area	2,113 sqft
Basement Area	2,217 sqft
Finished Basement	1,995 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 2006
Exterior Material	Wood Siding
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	30,846 sqft (0.708 acres)
Terrain	Rolling
View / Lot	Waterfront
Garage Area	633 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	1,689 sqft
Deck Area	279 sqft
Patio Area	100 sqft
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	Commercial

Location & Zoning

Account Number	7702
Street Address	122 WINDWARD DR
City	MONETA
State	VA
Zip	24121-2320
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	THE WATER FRONT LOT 20 SECTION 2 & PT 19
Legal Subdivision	THE WATER FRON
Legal Lot Number	20
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	Trust Name on Record
Mailing Address	122 WINDWARD DR, MONETA, VA 24121-2320
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Aug 1, 2022	Intrafamily Transfer, Transfer
Aug 24, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Apr 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

August 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FRANKLIN VA
Recording Date	Aug 1, 2022
Property Address	122 WINDWARD DR, MONETA, VA 24121-2320
Document Number	0011872930
Book / Page	1187 / 2930
Map Reference	MB 17 PG 147-150
Instrument Date	Jul 28, 2022
Instrument	220005851
Transaction Type	Transfer
Record Updated	Jun 28, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	122 WINDWARD DR, MONETA, VA 24121-2320

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	122 WINDWARD DR, MONETA, VA 24121-2320
Transaction Type	Mortgage
Record Updated	Sep 8, 2021
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0011682689
Date	Aug 24, 2021
Book Page	1168/2689
Instrument	210007877

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	295 Months
Due	Mar 1, 2046

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	122 WINDWARD DR, MONETA, VA 24121-2320
Transaction Type	Mortgage
Record Updated	May 5, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0011610940
Date	Apr 21, 2021
Book Page	1161/940
Instrument	210003724

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	299 Months
Due	Mar 1, 2046

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	$4,787.00 (-5.95%)	$1,113,400 (+33.42%) Land $325,000 Building $788,400	$1,113,400 (+33.42%) Land $325,000 Building $788,400
2023	$5,090.00	$834,500 (-) Land $320,000 Building $514,500	$834,500 (-) Land $320,000 Building $514,500
2022		$834,500 Land $320,000 Building $514,500	$834,500 Land $320,000 Building $514,500

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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