188 Windmere Trl, Moneta, VA 24121 Property Records

Franklin County property record for 188 Windmere Trl, Moneta, VA 24121

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,219 sqft · built 1979
Lot Size	1.12 acres (48,918 sqft)
Owner	Individual Name on File
Last Sale	$975,000 (Nov 2016)
Tax Bill	$7,646 (2025)
Deeds & Mortgages	Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`048 03-022 00`

Property Details

APN / Parcel Number

Primary APN	`048 03-022 00`
Alternative APN	`14726`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	3,219 sqft Living Area
Gross Area	5,084 sqft
1st Floor Area	2,509 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1994
Exterior Material	Stone
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	48,918 sqft (1.12 acres)
Terrain	Rolling
View / Lot	Waterfront
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	72 sqft
Deck Area	144 sqft
Shed	1 Shed
Boat Access	Boat Access
Boat House	240 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	14726
Street Address	188 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 22
Legal Subdivision	WINDMERE POIN
Legal Lot Number	22
Jurisdiction	FRANKLIN VA
Township / Civil Division	GILLS CREEK
Census Block Group	3
Census Block	3002
Census Tract	20104

Owner

Source: Franklin County records · APN 048 03-022 00

Assessment roll updated June 19, 2026 · Last verified June 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 File
Mailing Address	13431 PEARSON VALLEY LN, CENTREVILLE, VA 20120-6424
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 30, 2016 · Amount on Record
Deed Sale	Nov 30, 2016 · Amount on Record
Deed Document Number	20167420
Deed Book / Page	1085 / 2978
Record Updated	Sep 20, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	188 WINDMERE TRL, MONETA, VA 24121-3215
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0011520221
Date	Dec 01, 2020
Book Page	1152/221
Instrument	200009705

Lender

Name	SIGNAL FINANCIAL FCU
Type	Credit Union
Address	KENSINGTON, MD 20895

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Dec 01, 2040

Tax Assessment & Valuation

Source: Franklin County records · Assessment roll updated June 19, 2026 · Last verified June 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Franklin County
Unified School District	Franklin County Public Schools (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,646.00 (+28.5%)	$1,778,300 (+82.3%) Land $424,900 Building $1,353,400	$1,778,300 (+82.3%) Land $424,900 Building $1,353,400
2023	$5,950.00	$975,500 (-) Land $419,900 Building $555,600	$975,500 (-) Land $419,900 Building $555,600
2022		$975,500 Land $419,900 Building $555,600	$975,500 Land $419,900 Building $555,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of January 6, 2010 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Shenandoah Telecommunications Company Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: SML Wireless, ZiTEL.

Based on FCC filings for 89 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	TOWN OF ROCKY MOUNT serves 6,000 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.