Franklin County property record for 125 Montego Bay Dr, Moneta, VA 24121
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,123 sqft · built 2003 |
| Lot Size | 1.5 acres (65,427 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $950,000 (Jul 2019) |
| Tax Bill | $7,921 (2025) |
| Deeds & Mortgages | Oct 2025 Transfer Feb 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 032 07-016 00 |
| Primary APN | 032 07-016 00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 11 Rooms |
| Stories | 1 Story |
| Building Area | 3,123 sqft Living Area |
| Gross Area | 6,353 sqft |
| 1st Floor Area | 3,123 sqft |
| Basement Area | 3,123 sqft |
| Finished Basement | 2,030 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2011 |
| Exterior Material | Brick |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 65,427 sqft (1.5 acres) |
| Terrain | Rolling |
| Garage Area | 827 sqft |
| Driveway | Paver Driveway |
| Parking Spaces | 3 Parking Spaces |
| Porch | Patio |
|---|---|
| Porch Area | 1,605 sqft |
| Deck Area | 60 sqft |
| Patio Area | 264 sqft |
| Storage Building | 60 sqft |
| Boat Access | Boat Access |
| Boat House | 288 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | 36270 |
|---|---|
| Street Address | 125 MONTEGO BAY DR |
| City | MONETA |
| State | VA |
| Zip | 24121-5385 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A1 |
| Legal Description | MONTEGO BAY LOT 16 |
| Legal Subdivision | MONTEGO BAY |
| Legal Lot Number | 16 |
| Jurisdiction | FRANKLIN VA |
| Township / Civil Division | GILLS CREEK |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 20104 |
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 | 2 Company Names on Record |
|---|---|
| Mailing Address | 125 MONTEGO BAY DR, MONETA, VA 24121-5385 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Oct 27, 2025 | Intrafamily Transfer, Transfer |
| Feb 16, 2021 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC |
| Nov 12, 2020 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA |
| Jul 12, 2019 | Warranty Deed, Transfer BANK OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 12, 2019 · Amount on Record |
| Deed Sale | Jul 12, 2019 · Amount on Record |
| Deed Document Number | 20194150 |
| Deed Book / Page | 1124 / 1035 |
| Last Transfer Date | Oct 14, 2025 |
| Transfer Doc | 0012361517 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | FRANKLIN VA |
| Recording Date | Oct 27, 2025 |
| Property Address | 125 MONTEGO BAY DR, MONETA, VA 24121-5385 |
| Document Number | 0012361517 |
| Book / Page | 1236 / 1517 |
| Map Reference | MB 656 PG 1761-1765 |
| Instrument Date | Oct 14, 2025 |
| Instrument | 250006967 |
| Transaction Type | Transfer |
| Record Updated | Nov 25, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 125 MONTEGO BAY DR, MONETA, VA 24121-5385 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN VA |
| Property Address | 125 MONTEGO BAY DR, MONETA, VA 24121-5385 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2021 |
| Title Company | RAVENSWOOD TITLE COMPANY LLC |
| Name | Verified Name |
|---|
| Document Number | 0011570281 |
|---|---|
| Date | Feb 16, 2021 |
| Book Page | 1157/281 |
| Instrument | 210001545 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN VA |
| Property Address | 125 MONTEGO BAY DR, MONETA, VA 24121-5385 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2021 |
| Title Company | FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|
| Document Number | 0011502477 |
|---|---|
| Date | Nov 12, 2020 |
| Book Page | 1150/2477 |
| Instrument | 200009023 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 355 Months |
| Due | Jun 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.12% |
| Type Change Date | Jun 1, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 8.12% |
| Index | 1-Year LIBOR |
| Max Rate | 8.12% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FRANKLIN VA |
| Recording Date | Jul 12, 2019 |
| Property Address | 125 MONTEGO BAY DR, MONETA, VA 24121-5385 |
| Document Number | 0011241035 |
| Book / Page | 001124 / 001035 |
| Instrument Date | Jul 2, 2019 |
| Instrument | 4150 |
| Transaction Type | Transfer |
| Record Updated | Aug 6, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $950.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 125 MONTEGO BAY DR MONETA VA 241215385, MONETA, VA 24121-5385 |
| Document Number | 11241038 |
|---|---|
| Date | Jul 12, 2019 |
| Book Page | 001124/001038 |
| Instrument | 4151 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jul 11, 2049 |
| Rate Type | Adjustable Rate |
|---|
Source: Franklin County assessment roll, as of June 19, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Franklin County |
| Unified School District | Franklin County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,921.00 (+31.71%) | $1,842,200 (+86.84%) Land $290,000 Building $1,552,200 | $1,842,200 (+86.84%) Land $290,000 Building $1,552,200 |
| 2023 | $6,014.00 | $986,000 (+0.61%) Land $285,000 Building $701,000 | $986,000 (+0.61%) Land $285,000 Building $701,000 |
| 2022 | $980,000 Land $285,000 Building $695,000 | $980,000 Land $285,000 Building $695,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Flood Insurance Cost | Premium on Record median of 10 policies |
| Nearby Flood Policies | 10 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 96% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | PARK PLACE private · serves 501 people · EPA ID VA5067725 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2025 |
| Lead | 4 ppb (2024–2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 42 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| SMLW Broadband Fixed Wireless | 1,000 / 100 |
| Glo Fiber Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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