147 Windmere Trl, Moneta, VA 24121 Property Records

Franklin County property record for 147 Windmere Trl, Moneta, VA 24121

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,744 sqft · built 1992
Lot Size	1.38 acres (60,113 sqft)
Owner	Individual Name on File
Tax Bill	$5,725 (2025)
Deeds & Mortgages	Mar 2023 Reverse Mortgage Oct 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`048 03-051 00`

Property Details

APN / Parcel Number

Primary APN	`048 03-051 00`
Alternative APN	`14755`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,744 sqft Living Area
Gross Area	4,012 sqft
1st Floor Area	2,706 sqft
Basement Area	1,353 sqft
Finished Basement	1,353 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 2005
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	60,113 sqft (1.38 acres)
Terrain	Rolling
View / Lot	Waterfront

Exterior Amenities

Porch	Slab
Porch Area	32 sqft
Deck Area	1,124 sqft
Patio Area	112 sqft
Balcony Area	38 sqft
Storage Building	192 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	14755
Street Address	147 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 51
Legal Subdivision	WINDMERE POIN
Legal Lot Number	51
Jurisdiction	FRANKLIN VA
Township / Civil Division	GILLS CREEK
Census Block Group	3
Census Block	3004
Census Tract	20104

Owner

Source: Franklin County assessment roll, 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 File
Mailing Address	147 WINDMERE TRL, MONETA, VA 24121-3216
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 27, 2023	Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP
Oct 19, 2021	Deed of Trust, Mortgage · Line of Credit FIRST HORIZON BANK
Nov 30, 2017	Deed of Trust, Mortgage · Line of Credit SUNTRUST BK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Record Updated	Sep 20, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	147 WINDMERE TRL, MONETA, VA 24121-3216
Transaction Type	Mortgage
Record Updated	Jun 28, 2023
Title Company	CHANCELLOR TITLE AGENCY, CHANCELLOR TITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	147 WINDMERE TRL, MONETA, VA 24121-3216

Mortgage

Document Number	0011962528
Date	Mar 27, 2023
Book Page	1196/2528
Instrument	230001535

Lender

Name	AMERICAN ADVISORS GROUP
Type	Mortgage Company
Address	IRVINE, CA 92612

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	862 Months
Due	Jan 2, 2095

Interest

Rate Type	Adjustable Rate
Rate	6.96%
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2023
Change Frequency	Monthly
Index	1-Year T-Bill
Max Rate	11.9%

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	147 WINDMERE TRL, MONETA, VA 24121-3216
Transaction Type	Mortgage
Record Updated	Oct 28, 2021
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	147 WINDMERE TRL, MONETA, VA 24121-3216

Mortgage

Document Number	0011721994
Date	Oct 19, 2021
Book Page	1172/1994
Instrument	210009850

Lender

Name	FIRST HORIZON BANK
Type	Bank
Address	MEMPHIS, TN 38118

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 11, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	147 WINDMERE TRL, MONETA, VA 24121-3216
Document Number	0011012047
Instrument Date	Nov 30, 2017
Transaction Type	Mortgage
Record Updated	Aug 30, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0011012047
Date	Dec 15, 2017
Book Page	001101/002047
Instrument	8020

Lender

Name	SUNTRUST BK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 14, 2047

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	$5,725.00 (+35.37%)	$1,331,500 (+92.02%) Land $235,000 Building $1,096,500	$1,331,500 (+92.02%) Land $235,000 Building $1,096,500
2023	$4,229.00	$693,400 (-) Land $230,000 Building $463,400	$693,400 (-) Land $230,000 Building $463,400
2022		$693,400 Land $230,000 Building $463,400	$693,400 Land $230,000 Building $463,400

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 at the parcel

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, TOWN OF ROCKY MOUNT
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)
Shenandoah Telecommunications Company Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: SML Wireless, ZiTEL.

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