127 Windmere Trl, Moneta, VA 24121 Property Records

Franklin County property record for 127 Windmere Trl, Moneta, VA 24121

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,380 sqft · built 1999
Lot Size	1.84 acres (80,150 sqft)
Owner	Individual Name on Record
Last Sale	$547,500 (Sep 2013)
Tax Bill	$3,574 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Jan 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`048 03-077 00`

Property Details

APN / Parcel Number

Primary APN	`048 03-077 00`
Alternative APN	`14784`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,380 sqft Living Area
Gross Area	2,950 sqft
1st Floor Area	1,380 sqft
Basement Area	1,380 sqft
Finished Basement	870 sqft
Flooring	Ceramic Tile
Interior Walls	Plaster

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2008
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	80,150 sqft (1.84 acres)
Terrain	Rolling
View / Lot	Waterfront
Garage Area	484 sqft
Driveway	Paver Driveway
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	774 sqft
Deck Area	288 sqft
Patio Area	24 sqft
Storage Building	Storage Building
Boat Access	Boat Access
Boat House	312 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	14784
Street Address	127 WINDMERE TRL
City	MONETA
State	VA
Zip	24121-3216
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	WINDMERE POINT LOT 56
Legal Subdivision	WINDMERE POIN
Legal Lot Number	56
Jurisdiction	FRANKLIN VA
Township / Civil Division	GILLS CREEK
Census Block Group	3
Census Block	3004
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	Individual Name on Record
Mailing Address	127 WINDMERE TRL, MONETA, VA 24121-3216
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Jan 24, 2020	Deed of Trust, Mortgage · Conventional with PMI ATLANTIC BAY MTG
Mar 20, 2018	Deed of Trust, Mortgage · Conventional with PMI HOMETOWN RESID'L MTG
Mar 20, 2018	Deed of Trust, Mortgage · Line of Credit HOMETOWN BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 13, 2013 · Amount on Record
Deed Sale	Sep 13, 2013 · Amount on Record
Prior Sale	Dec 10, 2010 · Amount on Record
Deed Document Number	20137165
Deed Book / Page	1039 / 369
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	127 WINDMERE TRL, MONETA, VA 24121-3216
Transaction Type	Mortgage
Record Updated	Nov 30, 2021
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0011741483
Date	Nov 16, 2021
Book Page	1174/1483
Instrument	210010808

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

Interest

Rate	3.12%

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	127 WINDMERE TRL, MONETA, VA 24121-3216
Document Number	0011333117
Instrument Date	Jan 24, 2020
Transaction Type	Mortgage
Record Updated	Feb 25, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	127 WINDMERE TRL MONETA VA 241213216, MONETA, VA 24121-3216

Mortgage

Document Number	0011333117
Date	Jan 29, 2020
Book Page	001133/003117
Instrument	585

Lender

Name	ATLANTIC BAY MTG
Type	Mortgage Company

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jan 28, 2050

Interest

Rate Type	Fixed Rate

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	127 WINDMERE TRL, MONETA, VA 24121-3216
Document Number	0011060356
Instrument Date	Mar 20, 2018
Transaction Type	Mortgage
Record Updated	Apr 18, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0011060356
Date	Mar 26, 2018
Book Page	001106/000356
Instrument	1804

Lender

Name	HOMETOWN RESID'L MTG
Type	Mortgage Company

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 25, 2048

Interest

Rate Type	Fixed Rate

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	127 WINDMERE TRL, MONETA, VA 24121-3216
Document Number	0011060371
Instrument Date	Mar 20, 2018
Transaction Type	Mortgage
Record Updated	Jan 12, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0011060371
Date	Mar 26, 2018
Book Page	001106/000371
Instrument	1805

Lender

Name	HOMETOWN BK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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	$3,574.00 (+19.85%)	$831,300 (+70.03%) Land $210,000 Building $621,300	$831,300 (+70.03%) Land $210,000 Building $621,300
2023	$2,982.00	$488,900 (-) Land $205,000 Building $283,900	$488,900 (-) Land $205,000 Building $283,900
2022		$488,900 Land $205,000 Building $283,900	$488,900 Land $205,000 Building $283,900

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 500 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.

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	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	VISTA POINTE LANDING serves 115 people · EPA ID VA5143861
Water Source	Groundwater
Last State Inspection	Sep 2024
Also Mapped Here	WESTERN VIRGINIA WATER AUTHORITY
Lead	Under 1 ppb (2021–2023) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 89 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Glo Fiber Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: SMLW Broadband, ZiTEL.

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