145 Sconset Dr, Penhook, VA 24137 Property Records

Franklin County property record for 145 Sconset Dr, Penhook, VA 24137

Property Summary

Property Type	Single Family Home
Details	3 bd · 4.5 ba · 2,311 sqft · built 2000
Lot Size	0.356 acres (15,507 sqft)
Owner	Individual Name on Record
Tax Bill	$4,610 (2025)
Deeds & Mortgages	Feb 2022 Line of Credit Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`051 11-024 00`

Property Details

APN / Parcel Number

Primary APN	`051 11-024 00`
Alternative APN	`36490`

Interior

Bedrooms	3 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	1 Story
Building Area	2,311 sqft Living Area
Gross Area	4,740 sqft
1st Floor Area	2,311 sqft
Basement Area	1,651 sqft
Finished Basement	1,651 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2009
Exterior Material	Wood Shingle
Foundation Type	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	15,507 sqft (0.356 acres)
Terrain	Rolling
View / Lot	Waterfront
Garage Area	484 sqft
Driveway	Paver Driveway
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	662 sqft
Patio Area	458 sqft
Storage Building	Storage Building
Boat Access	Boat Access
Boat House	432 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	36490
Street Address	145 SCONSET DR
City	PENHOOK
State	VA
Zip	24137
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	GOLFERS CROSSING LOT 19
Legal Subdivision	GOLFERS CROSSING
Legal Lot Number	19
Jurisdiction	FRANKLIN VA
Township / Civil Division	UNION HALL
Census Block Group	2
Census Block	2010
Census Tract	20102

Owner

Source: Franklin County records, as of September 15, 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	PO BOX 21735, ROANOKE, VA 24018-0587
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 18, 2022	Deed of Trust, Mortgage · Line of Credit COGENT BANK
Aug 31, 2020	Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	145 SCONSET DR, PENHOOK, VA 24137
Transaction Type	Mortgage
Record Updated	Mar 7, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1144 LAKE MANOR DR, FOREST, VA 24551-2182

Mortgage

Document Number	0011791839
Date	Feb 18, 2022
Book Page	1179/1839
Instrument	220001377

Lender

Name	COGENT BANK
Type	Bank
Address	ROANOKE, VA 24013

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Feb 4, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	145 SCONSET DR, PENHOOK, VA 24137
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CENTURY TITLE SERVICES INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0011452700
Date	Aug 31, 2020
Book Page	1145/2700
Instrument	200006431

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23452

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

Source: Franklin County assessment roll, as of September 15, 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	$4,610.00 (+4.04%)	$1,072,200 (+47.6%) Land $267,000 Building $805,200	$1,072,200 (+47.6%) Land $267,000 Building $805,200
2023	$4,431.00	$726,400 (-) Land $233,500 Building $492,900	$726,400 (-) Land $233,500 Building $492,900
2022		$726,400 Land $233,500 Building $492,900	$726,400 Land $233,500 Building $492,900

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	7 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 93% of the US · lower than 95% of Virginia
Wildfire Likelihood	Under 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 63 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.

Cell Coverage

5G (outdoors only) and 4G LTE

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