182 Peninsula Point Dr, Moneta, VA 24121 Property Records

Franklin County property record for 182 Peninsula Point Dr, Moneta, VA 24121

Property Summary

Property Type	Townhouse
Details	4 bd · 4.5 ba · 3,318 sqft · built 1982
Lot Size	0.078 acres (3,428 sqft)
Owner	2 Company Names on Record
Tax Bill	$6,855 (2025)
Deeds & Mortgages	Sep 2025 Transfer Aug 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`048 06-038 00`

Property Details

APN / Parcel Number

Primary APN	`048 06-038 00`
Alternative APN	`15017`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	3,318 sqft Living Area
Gross Area	7,676 sqft
1st Floor Area	3,318 sqft
Attic	Attic
Attic Area	310 sqft
Basement Area	2,212 sqft
Finished Basement	2,212 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace
Elevator	Elevator

Exterior

Year Built	Built 1982
Effective Year Built	Effective 2006
Architectural Style	Townhouse
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	3,428 sqft (0.078 acres)
Terrain	Rolling
View / Lot	Waterfront
Porch	Patio
Porch Area	416 sqft
Deck Area	80 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	15017
Street Address	182 PENINSULA POINT DR
City	MONETA
State	VA
Zip	24121-3279
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	RPD
Legal Description	BERNARDS LANDING LOT B CLUSTER 9 TOWNHOUSE
Legal Subdivision	TOWNHOUS
Legal Lot Number	B
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 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	530 E SHORE DR, CANTON, GA 30114-6890
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2025	Gift Deed, Transfer
Aug 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage OPTIMUM FIRST INC
Mar 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage OPTIMUM FIRST INC
Jul 1, 2019	Deed of Trust, Mortgage · Conventional Mortgage OPTIMUM FIRST INC
Jun 5, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Aug 28, 2025
Transfer Doc	0012340929
Record Updated	Sep 20, 2026

September 2025: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	FRANKLIN VA
Recording Date	Sep 8, 2025
Property Address	182 PENINSULA POINT DR, MONETA, VA 24121-3279
Document Number	0012340929
Book / Page	1234 / 929
Map Reference	MB 371 PG 1797
Instrument Date	Aug 28, 2025
Instrument	250005867
Transaction Type	Transfer
Record Updated	Oct 7, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	530 E SHORE DR, CANTON, GA 30114-6890

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	182 PENINSULA POINT DR, MONETA, VA 24121-3279
Transaction Type	Mortgage
Record Updated	Sep 7, 2021
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0011681573
Date	Aug 18, 2021
Book Page	1168/1573
Instrument	210007690

Lender

Name	OPTIMUM FIRST INC
Type	Mortgage Company
Address	FOUNTAIN VALLEY, CA 92708

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	182 PENINSULA POINT DR, MONETA, VA 24121-3279
Transaction Type	Mortgage
Record Updated	Apr 2, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0011590408
Date	Mar 17, 2021
Book Page	1159/408
Instrument	210002551

Lender

Name	OPTIMUM FIRST INC
Type	Mortgage Company
Address	FOUNTAIN VALLEY, CA 92708

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Apr 1, 2050

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	182 PENINSULA POINT DR, MONETA, VA 24121-3279
Document Number	0011240693
Instrument Date	Jul 1, 2019
Transaction Type	Mortgage
Record Updated	Aug 6, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	182 PENINSULA POINT DR MONETA VA 241213279, MONETA, VA 24121-3279

Mortgage

Document Number	0011240693
Date	Jul 11, 2019
Book Page	001124/000693
Instrument	4078

Lender

Name	OPTIMUM FIRST INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 10, 2049

Interest

Rate Type	Fixed Rate

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	182 PENINSULA POINT DR, MONETA, VA 24121-3279
Document Number	0010940850
Instrument Date	Jun 5, 2017
Transaction Type	Mortgage
Record Updated	Aug 21, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	182 PENINSULA POINT DR MONETA VA 241213279, MONETA, VA 24121-3279

Mortgage

Document Number	0010940850
Date	Jun 15, 2017
Book Page	001094/000850
Instrument	3717

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 14, 2047

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	$6,855.00 (-99.57%)	$1,594,300 (-) Land $255,000 Building $1,339,300	$1,594,300 (-) Land $255,000 Building $1,339,300
2024	$1,594,300.00 (+28,808.43%)	$1,594,300 (+76.32%) Land $255,000 Building $1,339,300	$1,594,300 (+76.32%) Land $255,000 Building $1,339,300
2023	$5,515.00	$904,200 (-) Land $230,800 Building $673,400	$904,200 (-) Land $230,800 Building $673,400
2022		$904,200 Land $230,800 Building $673,400	$904,200 Land $230,800 Building $673,400

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 100 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 65 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
SMLW Broadband Fixed Wireless	1,000 / 100
Glo Fiber Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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