125 Windward Dr, Moneta, VA 24121 Property Records

Franklin County property record for 125 Windward Dr, Moneta, VA 24121

Property Summary

Property Type	Single Family Home
Details	2 bd · 4 ba · 2,604 sqft · built 1989
Lot Size	0.477 acres (20,778 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,500,000 (Nov 2025)
Tax Bill	$4,544 (2025)
Deeds & Mortgages	Apr 2025 Line of Credit Nov 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`031 03-023 00`

Property Details

APN / Parcel Number

Primary APN	`031 03-023 00`
Alternative APN	`7703`

Interior

Bedrooms	2 Beds
Full Baths	4 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,604 sqft Living Area
Gross Area	5,874 sqft
1st Floor Area	2,304 sqft
Basement Area	1,836 sqft
Finished Basement	1,652 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 2009
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	20,778 sqft (0.477 acres)
Terrain	Rolling
View / Lot	Waterfront
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	348 sqft
Deck Area	660 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	7703
Street Address	125 WINDWARD DR
City	MONETA
State	VA
Zip	24121-2321
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	THE WATER FRONT LOT 21 SECTION 2
Legal Subdivision	THE WATER FRON
Legal Lot Number	21
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	2 Individual Names on Record
Mailing Address	125 WINDWARD DR, MONETA, VA 24121-2321
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Apr 7, 2025	Deed of Trust, Mortgage · Line of Credit ROANOKE VALLEY COMMUNITY CU
Nov 7, 2025	Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 7, 2025 · Amount on Record
Deed Sale	Nov 7, 2025 · Amount on Record
Deed Document Number	20257288
Deed Book / Page	1237 / 559
Prior Transfer Date	Mar 7, 2014
Prior Transfer Doc	0010460302
Record Updated	Sep 20, 2026

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	125 WINDWARD DR, MONETA, VA 24121-2321
Transaction Type	Mortgage
Record Updated	Dec 9, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0012262982
Date	Apr 7, 2025
Book Page	1226/2982
Instrument	250002134

Lender

Name	ROANOKE VALLEY COMMUNITY CU
Type	Credit Union
Address	ROANOKE, VA 24030

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 6, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN VA
Recording Date	Nov 7, 2025
Property Address	125 WINDWARD DR, MONETA, VA 24121-2321
Document Number	0012370559
Book / Page	1237 / 559
Map Reference	MB 7 PG 147-150
Instrument Date	Nov 3, 2025
Instrument	250007288
Transaction Type	Transfer
Record Updated	Dec 9, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$750.00
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	125 WINDWARD DR, MONETA, VA 24121-2321

Mortgage

Document Number	0250007289
Date	Nov 7, 2025
Instrument	250007289

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Type Change Date	Dec 1, 2031
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10.7%
Index	SOFR Average 30-Day
Max Rate	10.7%

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	$4,544.00 (-7.53%)	$1,056,900 (+31.19%) Land $285,000 Building $771,900	$1,056,900 (+31.19%) Land $285,000 Building $771,900
2023	$4,914.00	$805,600 (-) Land $280,000 Building $525,600	$805,600 (-) Land $280,000 Building $525,600
2022		$805,600 Land $280,000 Building $525,600	$805,600 Land $280,000 Building $525,600

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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