176 Three Point Isle Dr, Penhook, VA 24137 Property Records

Franklin County property record for 176 Three Point Isle Dr, Penhook, VA 24137

Property Summary

Property Type	Single Family Home
Details	3 bd · 5 ba · 3,471 sqft · built 2022
Lot Size	0.839 acres (36,547 sqft)
Owner	2 Company Names on Record
Last Sale	$356,100 (Oct 2021)
Tax Bill	$7,918 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Nov 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`050 00-006 02`

Property Details

APN / Parcel Number

Primary APN	`050 00-006 02`
Alternative APN	`36444`

Interior

Bedrooms	3 Beds
Full Baths	5 Baths
Half Baths	2 Half Baths
Total Rooms	16 Rooms
Stories	1 Story
Building Area	3,471 sqft Living Area
Gross Area	7,077 sqft
1st Floor Area	3,182 sqft
Basement Area	2,122 sqft
Finished Basement	1,099 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2024
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	36,547 sqft (0.839 acres)
Terrain	Rolling
Garage Area	722 sqft
Driveway	Concrete Driveway
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Patio
Deck Area	104 sqft
Patio Area	788 sqft
Storage Building	Storage Building
Boat Access	Boat Access
Boat House	576 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	36444
Street Address	176 THREE POINT ISLE DR
City	PENHOOK
State	VA
Zip	24137-2109
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A1
Legal Description	THREE POINTE ISLE LOT 4
Legal Subdivision	THREE POINTE ISL
Legal Lot Number	4
Jurisdiction	FRANKLIN VA
Township / Civil Division	UNION HALL
Census Block Group	2
Census Block	2001
Census Tract	20102

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	2 Company Names on Record
Mailing Address	107 FAIRLEA CT, LYNCHBURG, VA 24503-2164
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Aug 14, 2026	Deed of Trust, Mortgage · Line of Credit FIRST BANK
Nov 14, 2022	Deed of Distribution, Transfer
Oct 6, 2021	Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL INS CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 6, 2021 · Amount on Record
Deed Sale	Oct 6, 2021 · Amount on Record
Deed Document Number	20219405
Deed Book / Page	1171 / 2692
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Recording Date	Aug 14, 2026
Property Address	176 THREE POINT ISLE DR, PENHOOK, VA 24137-2109
Document Number	0000005361
Book / Page	1248 / 2689
Instrument Date	Aug 14, 2026
Instrument	20265361
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust, 212
Address	107 FAIRLEA CT, LYNCHBURG, VA 24503-2164

Mortgage

Document Number	0000005361,
Date	Aug 14, 2026
Book Page	1248/2689
Instrument	20265361

Lender

Name	FIRST BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

November 2022: Deed of Distribution, Transfer

Document Type	Deed of Distribution
Jurisdiction	FRANKLIN VA
Recording Date	Nov 14, 2022
Property Address	176 THREE POINT ISLE DR, PENHOOK, VA 24137-2109
Document Number	0011920922
Book / Page	1192 / 922
Map Reference	MB 650 PG 124
Instrument Date	Oct 17, 2022
Instrument	220008292
Transaction Type	Transfer
Record Updated	Jan 26, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	176 THREE POINT ISLE DR, PENHOOK, VA 24137-2109

October 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN VA
Recording Date	Oct 6, 2021
Property Address	176 THREE POINT ISLE DR, PENHOOK, VA 24137-2109
Document Number	0011712692
Book / Page	1171 / 2692
Map Reference	MB 43 PG 263D
Instrument Date	Oct 6, 2021
Instrument	210009405
Transaction Type	Transfer
Record Updated	Jan 26, 2024
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL INS CO

Transaction

Amount	Amount Recorded
Tax	$347.59
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5032 SUNSET FOREST CIR, HOLLY SPRINGS, NC 27540-7816

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	$7,918.00 (+38.09%)	$1,841,400 (+73.72%) Land $262,000 Building $1,579,400	$1,841,400 (+73.72%) Land $262,000 Building $1,579,400
2023	$5,734.00	$1,060,000 (+488.89%) Land $230,000 Building $830,000	$1,060,000 (+488.89%) Land $230,000 Building $830,000
2022		$180,000 Land $180,000	$180,000 Land $180,000

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 97% of the US · lower than 98.4% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 91 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: RiverStreet Networks, SMLW Broadband.

Cell Coverage

5G (outdoors only) and 4G LTE

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