1787 Windlass Rd, Moneta, VA 24121 Property Records

Franklin County property record for 1787 Windlass Rd, Moneta, VA 24121

Property Summary

Property Type	Townhouse
Details	2 bd · 3 ba · 1,088 sqft · built 1982
Lot Size	0.021 acres (935 sqft)
Owner	2 Individual Names on Record
Last Sale	$575,000 (Oct 2025)
Tax Bill	$2,209 (2025)
Deeds & Mortgages	May 2021 Mortgage Oct 2025 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`031 07-004 00`

Property Details

APN / Parcel Number

Primary APN	`031 07-004 00`
Alternative APN	`8043`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,088 sqft Living Area
Gross Area	1,384 sqft
1st Floor Area	1,024 sqft
Basement Area	512 sqft
Finished Basement	512 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1982
Effective Year Built	Effective 2006
Architectural Style	Townhouse
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	935 sqft (0.021 acres)
Terrain	Rolling
View / Lot	Waterfront

Exterior Amenities

Porch	Slab
Porch Area	40 sqft
Deck Area	128 sqft
Patio Area	128 sqft
Balcony Area	64 sqft
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	8043
Street Address	1787 WINDLASS RD
City	MONETA
State	VA
Zip	24121-2429
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	RPD
Legal Description	THE WATER FRONT TOWNHOUSE 4 A SECTION 5 TOWNHOUSE
Legal Subdivision	TOWNHOUS
Jurisdiction	FRANKLIN VA
Township / Civil Division	GILLS CREEK
Census Block Group	1
Census Block	1009
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	2 Individual Names on Record
Mailing Address	1787 WINDLASS RD, MONETA, VA 24121-2429
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
May 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM FIRST FCU
Oct 9, 2025	Deed, Transfer · Conventional Mortgage TOMO MORTGAGE LLC
Oct 9, 2025	Deed, Transfer · Conventional Mortgage TOMO MORTGAGE LLC
Apr 20, 2022	Deed, Transfer · Conventional Mortgage PROSPERITY HOME MORTGAGE LLC
Sep 10, 2020	Warranty Deed, Transfer · Line of Credit PRIVATE INDIVIDUAL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 10, 2025 · Amount on Record
Deed Sale	Oct 10, 2025 · Amount on Record
Prior Sale	Apr 20, 2022 · Amount on Record
Deed Document Number	20256657
Deed Book / Page	1235 / 2870
Prior Transfer Date	Jul 27, 2018
Prior Transfer Doc	0000004984
Record Updated	Sep 20, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	1787 WINDLASS RD, MONETA, VA 24121-2429
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0011630474
Date	May 20, 2021
Book Page	1163/474
Instrument	210004788

Lender

Name	FREEDOM FIRST FCU
Type	Credit Union
Address	SALEM, VA 24153

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2036

October 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN VA
Recording Date	Oct 9, 2025
Property Address	1787 WINDLASS RD, MONETA, VA 24121-2429
Document Number	0012352870
Book / Page	1235 / 2870
Map Reference	MB 365 PG 1858
Instrument Date	Oct 7, 2025
Instrument	250006657
Transaction Type	Transfer
Record Updated	Nov 17, 2025
Title Company	SLATE TITLE GROUP, SAGE TITLE GROUP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$287.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1787 WINDLASS RD, MONETA, VA 24121-2429

Mortgage

Document Number	0250006658
Date	Oct 9, 2025
Instrument	250006658

Lender

Name	TOMO MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

October 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN VA
Recording Date	Oct 9, 2025
Property Address	1787 WINDLASS RD, MONETA, VA 24121-2429
Document Number	0012352870
Book / Page	1235 / 2870
Map Reference	MB 365 PG 1858
Instrument Date	Oct 7, 2025
Instrument	250006657
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	SLATE TITLE GROUP, SAGE TITLE GROUP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$287.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1787 WINDLASS RD, MONETA, VA 24121-2429

Mortgage

Document Number	0250006658
Date	Oct 9, 2025
Instrument	250006658

Lender

Name	TOMO MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

April 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN VA
Recording Date	Apr 20, 2022
Property Address	1787 WINDLASS RD, MONETA, VA 24121-2429
Document Number	0011823031
Book / Page	1182 / 3031
Map Reference	MB 365 PG 1858
Instrument Date	Apr 18, 2022
Instrument	220003128
Transaction Type	Transfer
Record Updated	Jun 26, 2023
Title Company	SAGE TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$245.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7416 WILLOWBROOK RD, FAIRFAX STATION, VA 22039-2116

Mortgage

Document Number	0220003129
Date	Apr 20, 2022
Instrument	220003129

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN VA
Recording Date	Sep 10, 2020
Property Address	1787 WINDLASS RD, MONETA, VA 24121-2429
Document Number	0011461334
Book / Page	001146 / 001334
Instrument Date	Sep 9, 2020
Instrument	6748
Transaction Type	Transfer
Record Updated	Sep 29, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$270.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3641 WINDING WAY RD SW ROANOKE VA 240154530, ROANOKE, VA 24015-4530

Mortgage

Document Number	11461337
Date	Sep 10, 2020
Book Page	001146/001337
Instrument	6749

Lender

Name	PRIVATE INDIVIDUAL
Type	Private Party

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Sep 9, 2021

Interest

Rate Type	Adjustable Rate

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	$2,209.00 (+32.51%)	$513,800 (+88%) Land $90,000 Building $423,800	$513,800 (+88%) Land $90,000 Building $423,800
2023	$1,667.00	$273,300 (-) Land $75,000 Building $198,300	$273,300 (-) Land $75,000 Building $198,300
2022		$273,300 Land $75,000 Building $198,300	$273,300 Land $75,000 Building $198,300

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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
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 49 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.

Cell Coverage

5G (outdoors only) and 4G LTE

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