176 Windmere Trl, Moneta, VA 24121 Property Records

Franklin County property record for 176 Windmere Trl, Moneta, VA 24121

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,358 sqft · built 1985
Lot Size	1.4 acres (61,289 sqft)
Owner	Individual Name on Record
Last Sale	$719,900 (May 2020)
Tax Bill	$5,477 (2025)
Deeds & Mortgages	Nov 2022 Line of Credit Sep 2022 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`048 03-019 00`

Property Details

APN / Parcel Number

Primary APN	`048 03-019 00`
Alternative APN	`14723`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,358 sqft Living Area
Gross Area	5,320 sqft
1st Floor Area	1,962 sqft
Basement Area	1,692 sqft
Finished Basement	1,050 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 2006
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	61,289 sqft (1.4 acres)
Terrain	Rolling
View / Lot	Waterfront
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	768 sqft
Deck Area	24 sqft
Balcony Area	12 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	14723
Street Address	176 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 19-A
Legal Subdivision	WINDMERE POIN
Legal Lot Number	19-A
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	3322 BRAMBLETON AVE, ROANOKE, VA 24018-6523
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 18, 2022	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Sep 28, 2022	Deed, Transfer
Jul 27, 2020	Deed of Trust, Mortgage · Line of Credit COGENT BANK
Aug 11, 2020	Warranty Deed, Transfer NOT AVAILABLE
May 29, 2020	Warranty Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 29, 2020 · Amount on Record
Deed Sale	May 29, 2020 · Amount on Record
Deed Document Number	20203555
Deed Book / Page	1140 / 280
Prior Transfer Date	Dec 16, 2009
Prior Transfer Doc	0009731525
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	176 WINDMERE TRL, MONETA, VA 24121-3215
Transaction Type	Mortgage
Record Updated	Jun 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1344 LAKEWOOD DR SW, ROANOKE, VA 24015-3724

Mortgage

Document Number	0011921872
Date	Nov 18, 2022
Book Page	1192/1872
Instrument	220008463

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN VA
Recording Date	Sep 28, 2022
Property Address	176 WINDMERE TRL, MONETA, VA 24121-3215
Document Number	0011901211
Book / Page	1190 / 1211
Map Reference	MB 7 PG 72&73
Instrument Date	Sep 27, 2022
Instrument	220007231
Transaction Type	Transfer
Record Updated	Jun 12, 2023

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
Address	176 WINDMERE TRAIL, HARDY, VA 24101

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	176 WINDMERE TRL, MONETA, VA 24121-3215
Transaction Type	Mortgage
Record Updated	Nov 9, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0011431386
Date	Jul 27, 2020
Book Page	1143/1386
Instrument	200005217

Lender

Name	COGENT BANK
Type	Bank
Address	ROANOKE, VA 24014

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	239 Months
Due	Jun 3, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN VA
Recording Date	Aug 11, 2020
Property Address	176 WINDMERE TRL, MONETA, VA 24121-3215
Document Number	0011441757
Book / Page	001144 / 001757
Instrument Date	Aug 10, 2020
Instrument	5741
Transaction Type	Transfer
Record Updated	Sep 1, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$740.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	176 WINDMERE TRL HARDY VA 24101, HARDY, VA 24101

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN VA
Recording Date	May 29, 2020
Property Address	176 WINDMERE TRL, MONETA, VA 24121-3215
Document Number	0011400280
Book / Page	001140 / 000280
Instrument Date	May 27, 2020
Instrument	3555
Transaction Type	Transfer
Record Updated	Jul 7, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
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	7006 MOUNTAIN SPRING TRL ROANOKE VA 240186643, ROANOKE, VA 24018-6643

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	$5,477.00 (+36.41%)	$1,273,800 (+93.5%) Land $242,400 Building $1,031,400	$1,273,800 (+93.5%) Land $242,400 Building $1,031,400
2023	$4,015.00	$658,300 (-) Land $237,400 Building $420,900	$658,300 (-) Land $237,400 Building $420,900
2022		$658,300 Land $237,400 Building $420,900	$658,300 Land $237,400 Building $420,900

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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