1470 Windlass Rd, Moneta, VA 24121 Property Records

Franklin County property record for 1470 Windlass Rd, Moneta, VA 24121

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,405 sqft · built 2005
Lot Size	0.607 acres (26,441 sqft)
Owner	Individual Name on Record
Last Sale	$355,000 (Jan 2023)
Tax Bill	$1,590 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Apr 2024 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`031 05-029 00`

Property Details

APN / Parcel Number

Primary APN	`031 05-029 00`
Alternative APN	`7960`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	1 Story
Building Area	1,405 sqft Living Area
Gross Area	2,390 sqft
1st Floor Area	1,405 sqft
Basement Area	1,405 sqft
Finished Basement	1,405 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2012
Exterior Material	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	26,441 sqft (0.607 acres)
Terrain	Rolling
Garage Area	462 sqft
Driveway	Paver Driveway
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	355 sqft
Patio Area	72 sqft
Shed	1 Shed
Shed Area	192 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	7960
Street Address	1470 WINDLASS RD
City	MONETA
State	VA
Zip	24121-2162
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	THE WATER FRONT LOT 3 BLOCK 2 SECTION 4
Legal Subdivision	THE WATER FRON
Legal Block	2
Legal Lot Number	3
Jurisdiction	FRANKLIN VA
Township / Civil Division	GILLS CREEK
Census Block Group	1
Census Block	1012
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	1470 WINDLASS RD, MONETA, VA 24121-2162
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 10, 2025	Deed of Trust, Mortgage · Conventional Mortgage BELL BANK
Apr 8, 2024	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Sep 28, 2021	Deed of Trust, Mortgage · VA Mortgage NAVY FCU
Jan 11, 2023	Deed, Transfer · Conventional Mortgage BELL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 11, 2023 · Amount on Record
Deed Sale	Jan 11, 2023 · Amount on Record
Prior Sale	Oct 11, 2005
Deed Document Number	2023152
Deed Book / Page	1194 / 838
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	1470 WINDLASS RD, MONETA, VA 24121-2162
Transaction Type	Mortgage
Record Updated	Jan 13, 2026
Title Company	FIRST CHOICE TITLE AND SETTLEMEN, FIRST CHOICE TITLE & STLMT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1470 WINDLASS RD, MONETA, VA 24121-2162

Mortgage

Document Number	0012381122
Date	Dec 10, 2025
Book Page	1238/1122
Instrument	250007899

Lender

Name	BELL BANK
Type	Bank
Address	FARGO, ND 58103

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	1470 WINDLASS RD, MONETA, VA 24121-2162
Transaction Type	Mortgage
Record Updated	May 8, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0012111557
Date	Apr 8, 2024
Book Page	1211/1557
Instrument	240001960

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 7, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	1470 WINDLASS RD, MONETA, VA 24121-2162
Transaction Type	Mortgage
Record Updated	Jun 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0011710560
Date	Sep 28, 2021
Book Page	1171/560
Instrument	210009092

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

January 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN VA
Recording Date	Jan 11, 2023
Property Address	1470 WINDLASS RD, MONETA, VA 24121-2162
Document Number	0011940838
Book / Page	1194 / 838
Map Reference	MB 362 PG 1521
Instrument Date	Jan 4, 2023
Instrument	230000152
Transaction Type	Transfer
Record Updated	Jun 28, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$177.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1470 WINDLASS RD, MONETA, VA 24121-2162

Mortgage

Document Number	0230000153
Date	Jan 11, 2023
Instrument	230000153

Lender

Name	BELL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2053

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	$1,590.00 (+13.25%)	$369,900 (+60.69%) Land $42,000 Building $327,900	$369,900 (+60.69%) Land $42,000 Building $327,900
2023	$1,404.00	$230,200 (-) Land $35,000 Building $195,200	$230,200 (-) Land $35,000 Building $195,200
2022		$230,200 Land $35,000 Building $195,200	$230,200 Land $35,000 Building $195,200

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 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 80% of the US · lower than 71% 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	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 77 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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