126 Windmere Trl, Moneta, VA 24121 Property Records

Franklin County property record for 126 Windmere Trl, Moneta, VA 24121

Property Summary

Property Type	Single Family Home
Details	3 bd · 4.5 ba · 2,254 sqft · built 1990
Lot Size	1.11 acres (48,569 sqft)
Owner	2 Individual Names on File
Last Sale	$750,000 (Jun 2026)
Tax Bill	$4,529 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Jan 2024 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`048 03-007 00`

Property Details

APN / Parcel Number

Primary APN	`048 03-007 00`
Alternative APN	`14710`

Interior

Bedrooms	3 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,254 sqft Living Area
Gross Area	3,540 sqft
1st Floor Area	1,771 sqft
Basement Area	1,525 sqft
Finished Basement	1,525 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 2001
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	48,569 sqft (1.11 acres)
Terrain	Rolling
View / Lot	Waterfront
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Deck Area	56 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	14710
Street Address	126 WINDMERE TRL
City	MONETA
State	VA
Zip	24121-3215
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	WINDMERE POINT LOT 7
Legal Subdivision	WINDMERE POIN
Legal Lot Number	7
Jurisdiction	FRANKLIN VA
Township / Civil Division	GILLS CREEK
Census Block Group	3
Census Block	3002
Census Tract	20104

Owner

126 Windmere Trl is owned and occupied by two individuals who bought it in June 2026.

Source: Franklin County records, as of June 30, 2026

Owner of Record	2 Individual Names on File
Mailing Address	126 WINDMERE TRL, MONETA, VA 24121-3215
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Jun 8, 2026	Deed, Transfer · Conventional Mortgage WELLSFARGOBANKNA
Jan 9, 2024	Deed of Trust, Mortgage · Conventional Mortgage CARTER BANK & TRUST
Apr 9, 2021	Deed of Trust, Mortgage · Line of Credit CARTER BANK & TRUST
Apr 26, 2019	Deed of Trust, Mortgage · Line of Credit SUNTRUST BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 8, 2026 · Amount on File
Deed Sale	Jun 8, 2026 · Amount on File
Deed Document Number	20263740
Deed Book / Page	1246 / 2486
Record Updated	Sep 20, 2026

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN VA
Recording Date	Jun 8, 2026
Property Address	126 WINDMERE TRL, MONETA, VA 24121-3215
Document Number	0000003740
Book / Page	1246 / 2486
Instrument Date	Jun 8, 2026
Instrument	20263740
Transaction Type	Transfer
Record Updated	Jun 30, 2026
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$75,750.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	126 WINDMERE TRL, MONETA, VA 24121-3215
Investor	Possibly a Property Investor

Mortgage

Document Number	0000003741,
Date	Jun 8, 2026
Instrument	20263741

Lender

Name	WELLSFARGOBANKNA

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.23%
Initial Type	Fixed Rate
Max Rate	-1%

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	126 WINDMERE TRL, MONETA, VA 24121-3215
Transaction Type	Mortgage
Record Updated	Mar 11, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0012080026
Date	Jan 9, 2024
Book Page	1208/26
Instrument	240000139

Lender

Name	CARTER BANK & TRUST
Type	Bank
Address	MARTINSVILLE, VA 24112

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	7.12%
Type Change Date	Feb 1, 2031
Change Frequency	Annually
Min Rate At Change	7.12%
Max Rate At Change	12.1%
Index	1-Year T-Bill
Max Rate	12.1%

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	126 WINDMERE TRL, MONETA, VA 24121-3215
Transaction Type	Mortgage
Record Updated	Apr 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	126 WINDMERE TRL, MONETA, VA 24121-3215

Mortgage

Document Number	0011601929
Date	Apr 9, 2021
Book Page	1160/1929
Instrument	210003338

Lender

Name	CARTER BANK & TRUST
Type	Bank
Address	ROCKY MOUNT, VA 24151

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	126 WINDMERE TRL, MONETA, VA 24121-3215
Document Number	0011211434
Instrument Date	Apr 26, 2019
Transaction Type	Mortgage
Record Updated	Jun 11, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	126 WINDMERE TRL MONETA VA 241213215, MONETA, VA 24121-3215

Mortgage

Document Number	0011211434
Date	May 10, 2019
Book Page	001121/001434
Instrument	2639

Lender

Name	SUNTRUST BK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 9, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 126 Windmere Trl was $4,529.

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	$4,529.00	$1,053,400 Land $175,000 Building $878,400	$1,053,400 Land $175,000 Building $878,400
2023	$3,441.00	$564,200 (-) Land $170,000 Building $394,200	$564,200 (-) Land $170,000 Building $394,200
2022		$564,200 Land $170,000 Building $394,200	$564,200 Land $170,000 Building $394,200

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

Flood

FEMA maps place 126 Windmere Trl in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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.

Wildfire

Wildfire risk around 126 Windmere Trl 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 94% of the US · lower than 96% of Virginia
Wildfire Likelihood	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	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 31 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

May also be available: ZiTEL.

Cell Coverage

5G (outdoors only) and 4G LTE

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