127 Windy Ridge Rd, Rocky Mount, VA 24151 Property Records

Franklin County property record for 127 Windy Ridge Rd, Rocky Mount, VA 24151

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,994 sqft · built 2019
Lot Size	50 acres (2,178,000 sqft)
Owner	Individual Name on Record
Tax Bill	$2,296 (2025)
Deeds & Mortgages	Sep 2025 Line of Credit Nov 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`091 00-049 03`

Property Details

APN / Parcel Number

Primary APN	`091 00-049 03`
Alternative APN	`27106`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,994 sqft Living Area
Gross Area	3,902 sqft
1st Floor Area	1,994 sqft
Basement Area	1,994 sqft
Finished Basement	587 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2023
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	2,178,000 sqft (50 acres)
Terrain	Rolling
Garage Area	910 sqft
Driveway	Concrete Driveway
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	478 sqft
Deck Area	Deck Area
Patio Area	520 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	27106
Street Address	127 WINDY RIDGE RD
City	ROCKY MOUNT
State	VA
Zip	24151-3419
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NZ
Legal Description	RT 220 SOUTH
Jurisdiction	FRANKLIN VA
Township / Civil Division	SNOW CREEK
Census Block Group	2
Census Block	2029
Census Tract	20901

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 WINDY RIDGE RD, ROCKY MOUNT, VA 24151-3419
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2025	Deed of Trust, Mortgage · Line of Credit ATLANTIC UNION BANK
Nov 16, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage AMERICAN NATIONAL BANK & TRUST CO
Feb 15, 2019	Deed of Trust, Mortgage · Conventional Mortgage FAMILYAN NATL BK & TR CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Nov 10, 2021
Transfer Doc	0011741330
Record Updated	Sep 20, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	127 WINDY RIDGE RD, ROCKY MOUNT, VA 24151-3419
Transaction Type	Mortgage
Record Updated	Oct 14, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	127 WINDY RIDGE RD, ROCKY MOUNT, VA 24151-3419

Mortgage

Document Number	0012341784
Date	Sep 15, 2025
Book Page	1234/1784
Instrument	250006022

Lender

Name	ATLANTIC UNION BANK
Type	Bank
Address	ROCKY MOUNT, VA 24151

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 20, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FRANKLIN VA
Recording Date	Nov 16, 2021
Property Address	127 WINDY RIDGE RD, ROCKY MOUNT, VA 24151-3419
Document Number	0011741330
Book / Page	1174 / 1330
Instrument Date	Nov 10, 2021
Instrument	210010787
Transaction Type	Transfer
Record Updated	Nov 30, 2021
Title Company	VIRGINIA TITLE CTR LLC, VIRGINIA TITLE CENTER LLC

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	Tenants by the Entirety
Address	27 WINDY RIDGE RD, ROCKY MOUNT, VA 24151

Mortgage

Document Number	210010788
Date	Nov 16, 2021
Instrument	210010788

Lender

Name	AMERICAN NATIONAL BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2036

Interest

Rate Type	Adjustable Rate
Rate	3.12%

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	127 WINDY RIDGE RD, ROCKY MOUNT, VA 24151-3419
Document Number	0011181977
Instrument Date	Feb 15, 2019
Transaction Type	Mortgage
Record Updated	Mar 20, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	127 WINDY RIDGE RD ROCKY MOUNT VA 241513419, ROCKY MOUNT, VA 24151-3419

Mortgage

Document Number	0011181977
Date	Feb 21, 2019
Book Page	001118/001977
Instrument	966

Lender

Name	FAMILYAN NATL BK & TR CO

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 20, 2049

Interest

Rate Type	Fixed Rate
Rate	4.88%

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	$2,296.00 (+5.18%)	$611,400 (+40.49%) Land $125,000 Building $486,400	$611,400 (+40.49%) Land $125,000 Building $486,400
2023	$2,183.00	$435,200 (-) Land $118,000 Building $317,200	$435,200 (-) Land $118,000 Building $317,200
2022		$435,200 Land $118,000 Building $317,200	$435,200 Land $118,000 Building $317,200

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	0.03% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
AT&T Fixed Wireless	25 / 3

May also be available: Brightspeed.

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