162 Windmere Trl, Moneta, VA 24121 Property Records

Franklin County property record for 162 Windmere Trl, Moneta, VA 24121

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,041 sqft · built 2017
Lot Size	1.44 acres (62,770 sqft)
Owner	Individual Name on Record
Last Sale	$228,000 (Apr 2014)
Tax Bill	$7,537 (2025)
Deeds & Mortgages	Feb 2022 Line of Credit Apr 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`048 03-016 00`

Property Details

APN / Parcel Number

Primary APN	`048 03-016 00`
Alternative APN	`14719`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	13 Rooms
Stories	1 Story
Building Area	3,041 sqft Living Area
Gross Area	5,126 sqft
1st Floor Area	2,473 sqft
Basement Area	2,473 sqft
Finished Basement	1,816 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2021
Exterior Material	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	62,770 sqft (1.44 acres)
Terrain	Rolling
View / Lot	Waterfront
Garage Area	812 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	497 sqft
Deck Area	88 sqft
Patio Area	600 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	14719
Street Address	162 WINDMERE TRL
City	MONETA
State	VA
Zip	24121-3215
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	WINDMERE POINT LOT 16
Legal Subdivision	WINDMERE POIN
Legal Lot Number	16
Jurisdiction	FRANKLIN VA
Township / Civil Division	GILLS CREEK
Census Block Group	3
Census Block	3002
Census Tract	20104

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	3547 BOOKER T WASHINGTON HWY, ROCKY MOUNT, VA 24151-5601
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 10, 2022	Deed of Trust, Mortgage · Line of Credit CNB BANK
Apr 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Jul 3, 2018	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FIN'L

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 17, 2014 · Amount on Record
Deed Sale	Apr 17, 2014 · Amount on Record
Deed Document Number	20141874
Deed Book / Page	1047 / 287
Prior Transfer Date	Apr 14, 2014
Prior Transfer Doc	0010470287
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	162 WINDMERE TRL, MONETA, VA 24121-3215
Transaction Type	Mortgage
Record Updated	Feb 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	162 WINDMERE TRL, MONETA, VA 24121-3215

Mortgage

Document Number	0011790747
Date	Feb 10, 2022
Book Page	1179/747
Instrument	220001192

Lender

Name	CNB BANK
Type	Bank
Address	SALEM, VA 24153

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	162 WINDMERE TRL, MONETA, VA 24121-3215
Transaction Type	Mortgage
Record Updated	Jul 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0011373179
Date	Apr 20, 2020
Book Page	1137/3179
Instrument	200002582

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

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

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	162 WINDMERE TRL, MONETA, VA 24121-3215
Document Number	0011101860
Instrument Date	Jul 3, 2018
Transaction Type	Mortgage
Record Updated	Aug 7, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0011101860
Date	Jul 12, 2018
Book Page	001110/001860
Instrument	4317

Lender

Name	CARDINAL FIN'L
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 11, 2048

Interest

Rate Type	Fixed Rate

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	$7,537.00 (+43.4%)	$1,752,900 (+103.4%) Land $214,400 Building $1,538,500	$1,752,900 (+103.4%) Land $214,400 Building $1,538,500
2023	$5,256.00	$861,800 (-) Land $209,400 Building $652,400	$861,800 (-) Land $209,400 Building $652,400
2022		$861,800 Land $209,400 Building $652,400	$861,800 Land $209,400 Building $652,400

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 99.1% of the US · lower than 99.6% of Virginia
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 89 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Glo Fiber Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: SMLW Broadband, ZiTEL.

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