Franklin County property record for 145 Montego Bay Dr, Moneta, VA 24121
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 1,948 sqft · built 2004 |
| Lot Size | 1.47 acres (64,120 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $800,000 (Jun 2020) |
| Tax Bill | $5,829 (2025) |
| Deeds & Mortgages | Oct 2021 Mortgage Jun 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 032 07-018 00 |
| Primary APN | 032 07-018 00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 10 Rooms |
| Stories | 1 Story |
| Building Area | 1,948 sqft Living Area |
| Gross Area | 3,296 sqft |
| 1st Floor Area | 1,948 sqft |
| Basement Area | 1,948 sqft |
| Finished Basement | 974 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2016 |
| Exterior Material | Brick |
| Foundation Type | Brick |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 64,120 sqft (1.47 acres) |
| Terrain | Rolling |
| Garage Area | 576 sqft |
| Driveway | Paver Driveway |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 184 sqft |
| Deck Area | 460 sqft |
| Patio Area | 128 sqft |
| Storage Building | 45 sqft |
| Boat Access | Boat Access |
| Boat House | 576 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | 36272 |
|---|---|
| Street Address | 145 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 NEW LOT 18 |
| Legal Subdivision | MONTEGO BAY |
| Legal Lot Number | 18 |
| Jurisdiction | FRANKLIN VA |
| Township / Civil Division | GILLS CREEK |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 20104 |
Source: Franklin County records, as of October 7, 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 | 20607 COPPERSMITH DR, ASHBURN, VA 20147-3718 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 1, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Jun 4, 2020 | Limited Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA |
| Aug 9, 2019 | Trustee's Deed, Foreclosure NOT AVAILABLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 4, 2020 · Amount on Record |
| Deed Sale | Jun 4, 2020 · Amount on Record |
| Prior Sale | Aug 9, 2019 · Amount on Record |
| Deed Document Number | 20203701 |
| Deed Book / Page | 1140 / 1195 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN VA |
| Property Address | 145 MONTEGO BAY DR, MONETA, VA 24121-5385 |
| Transaction Type | Mortgage |
| Record Updated | Sep 21, 2023 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0011711851 |
|---|---|
| Date | Oct 1, 2021 |
| Book Page | 1171/1851 |
| Instrument | 210009266 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Oct 1, 2036 |
| Document Type | Limited Warranty Deed |
|---|---|
| Jurisdiction | FRANKLIN VA |
| Recording Date | Jun 4, 2020 |
| Property Address | 145 MONTEGO BAY DR, MONETA, VA 24121-5385 |
| Document Number | 0011401195 |
| Book / Page | 1140 / 1195 |
| Map Reference | MB 742 PG 1123 |
| Instrument Date | May 13, 2020 |
| Instrument | 200003701 |
| Transaction Type | Transfer |
| Record Updated | Nov 9, 2021 |
| Title Company | FIDELITY NATIONAL TITLE INS |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $800.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3701 REGENT BLVD STE 175, 3701, IRVING, TX 75063-2308 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 20607 COPPERSMITH DR, ASHBURN, VA 20147-3718 |
| Document Number | 200003702 |
|---|---|
| Date | Jun 4, 2020 |
| Instrument | 200003702 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2050 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | FRANKLIN VA |
| Recording Date | Aug 9, 2019 |
| Property Address | 145 MONTEGO BAY DR, MONETA, VA 24121-5385 |
| Document Number | 0011251805 |
| Book / Page | 001125 / 001805 |
| Instrument Date | Jul 22, 2019 |
| Instrument | 4794 |
| Transaction Type | Foreclosure |
| Record Updated | Sep 4, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $934.25 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Trust |
| Address | 3701 REGENT BLVD #200 IRVING TX 750632296, 200, IRVING, TX 75063-2296 |
Source: Franklin County assessment roll, as of September 15, 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 | $5,829.00 (+20.26%) | $1,355,700 (+70.61%) Land $380,000 Building $975,700 | $1,355,700 (+70.61%) Land $380,000 Building $975,700 |
| 2023 | $4,847.00 | $794,600 (-) Land $375,000 Building $419,600 | $794,600 (-) Land $375,000 Building $419,600 |
| 2022 | $794,600 Land $375,000 Building $419,600 | $794,600 Land $375,000 Building $419,600 |
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 AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 802.2 ft |
| Flood Insurance Requirement | Required federally backed loans |
| 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures