171 Mountain Shore Dr, Penhook, VA 24137 Property Records

Franklin County property record for 171 Mountain Shore Dr, Penhook, VA 24137

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,201 sqft · built 2008
Lot Size	0.558 acres (24,306 sqft)
Owner	Individual Name on File
Last Sale	$720,000 (Aug 2018)
Tax Bill	$6,840 (2025)
Deeds & Mortgages	Mar 2020 Mortgage Aug 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`051 09-153 00`

Property Details

APN / Parcel Number

Primary APN	`051 09-153 00`
Alternative APN	`16370`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,201 sqft Living Area
Gross Area	5,037 sqft
1st Floor Area	2,001 sqft
Attic	Attic
Attic Area	237 sqft
Basement Area	2,001 sqft
Finished Basement	2,001 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2015
Exterior Material	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	24,306 sqft (0.558 acres)
Terrain	Steep
View / Lot	Waterfront
Garage Area	474 sqft
Driveway	Paver Driveway
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	780 sqft
Patio Area	100 sqft
Balcony Area	20 sqft
Storage Building	Storage Building
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	16370
Street Address	171 MOUNTAIN SHORE DR
City	PENHOOK
State	VA
Zip	24137
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	THE WATER'S EDGE LOT 387-A SECTION 6
Legal Subdivision	THE WATER'S EDG
Legal Lot Number	387-A
Jurisdiction	FRANKLIN VA
Township / Civil Division	UNION HALL
Census Block Group	2
Census Block	2007
Census Tract	20102

Owner

171 Mountain Shore Dr is owned by an individual who bought it in August 2018.

Source: Franklin County records, as of September 15, 2026

Owner of Record	Individual Name on File
Mailing Address	520 TRANSYLVANIA AVE, RALEIGH, NC 27609-6956
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Aug 17, 2018	Warranty Deed, Transfer WELLS FARGO BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 17, 2018 · Amount on File
Deed Sale	Aug 17, 2018 · Amount on File
Prior Sale	Oct 19, 2012 · Amount on File
Deed Document Number	20185046
Deed Book / Page	1111 / 2444
Prior Transfer Date	Sep 19, 2007
Prior Transfer Doc	00092101657
Record Updated	Oct 29, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	171 MOUNTAIN SHORE DR, PENHOOK, VA 24137
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0011362671
Date	Mar 30, 2020
Book Page	1136/2671
Instrument	200002064

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

Interest

Rate	3.5%

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN VA
Recording Date	Aug 17, 2018
Property Address	171 MOUNTAIN SHORE DR, PENHOOK, VA 24137
Document Number	0011112444
Book / Page	001111 / 002444
Instrument Date	Aug 1, 2018
Instrument	5046
Transaction Type	Transfer
Record Updated	Feb 17, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$720.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 TRANSYLVANIA AVE RALEIGH NC 276096956, RALEIGH, NC 27609-6956

Mortgage

Document Number	11112447
Date	Aug 17, 2018
Book Page	001111/002447
Instrument	5047

Lender

Name	WELLS FARGO BK
Type	Bank

Agreement

Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 171 Mountain Shore Dr was $6,840.

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	$6,840.00	$1,590,900 Land $235,000 Building $1,355,900	$1,590,900 Land $235,000 Building $1,355,900
2023	$4,775.00	$782,900 (-) Land $185,000 Building $597,900	$782,900 (-) Land $185,000 Building $597,900
2022		$782,900 Land $185,000 Building $597,900	$782,900 Land $185,000 Building $597,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 171 Mountain Shore Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
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

Wildfire risk around 171 Mountain Shore Dr is low, with less than a 0.01% annual chance of 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	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 26 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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