191 Pinewatch Cir, Moneta, VA 24121 Property Records

Franklin County property record for 191 Pinewatch Cir, Moneta, VA 24121

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,386 sqft · built 2017
Lot Size	1.52 acres (66,516 sqft)
Owner	2 Trust Names on File
Last Sale	$729,900 (Jul 2026)
Tax Bill	$2,529 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`015 15-001 00`

Property Details

APN / Parcel Number

Primary APN	`015 15-001 00`
Alternative APN	`43449`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	15 Rooms
Stories	1 Story
Building Area	2,386 sqft Living Area
Gross Area	4,090 sqft
1st Floor Area	2,386 sqft
Basement Area	2,386 sqft
Finished Basement	1,044 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2021
Exterior Material	Vinyl
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	66,516 sqft (1.52 acres)
Terrain	Rolling
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	264 sqft
Deck Area	360 sqft
Patio Area	504 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	43449
Street Address	191 PINEWATCH CIR
City	MONETA
State	VA
Zip	24121-1123
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PCD
Legal Description	LAKEWATCH PLANTATION ESTATE LOT 1A
Legal Subdivision	LAKEWATCH PLANTATION ESTATE
Legal Lot Number	1A
Jurisdiction	FRANKLIN VA
Township / Civil Division	GILLS CREEK
Census Block Group	1
Census Block	1021
Census Tract	20302

Owner

191 Pinewatch Cir is owner-occupied and held in a trust since July 2026.

Source: Franklin County records, as of September 15, 2026

Owner of Record	2 Trust Names on File
Mailing Address	191 PINEWATCH CIR, MONETA, VA 24121-1123
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 31, 2026	Deed, Transfer · VA Mortgage ATLANTIC BAY MORTGAGE
Oct 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP
Jun 30, 2021	Deed of Trust, Mortgage · Line of Credit FREEDOM FIRST FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2026 · Amount on File
Deed Sale	Jul 31, 2026 · Amount on File
Deed Document Number	20265046
Deed Book / Page	1248 / 832
Record Updated	Oct 29, 2026

July 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN VA
Recording Date	Jul 31, 2026
Property Address	191 PINEWATCH CIR, MONETA, VA 24121-1123
Document Number	0000005046
Book / Page	1248 / 832
Instrument Date	Jul 30, 2026
Instrument	20265046
Transaction Type	Transfer
Record Updated	Aug 24, 2026
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$73,719.90
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	191 PINEWATCH CIR, MONETA, VA 24121-1123
Investor	Possibly a Property Investor

Mortgage

Document Number	0000005047,
Date	Jul 31, 2026
Instrument	20265047

Lender

Name	ATLANTIC BAY MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

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

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	191 PINEWATCH CIR, MONETA, VA 24121-1123
Transaction Type	Mortgage
Record Updated	Nov 9, 2021
Title Company	SOLIDIFI TITLE & CLOSING

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0011491163
Date	Oct 22, 2020
Book Page	1149/1163
Instrument	200008263

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2035

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	191 PINEWATCH CIR, MONETA, VA 24121-1123
Transaction Type	Mortgage
Record Updated	Nov 9, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	191 PINEWATCH CIR, MONETA, VA 24121-1123

Mortgage

Document Number	0011652271
Date	Jun 30, 2021
Book Page	1165/2271
Instrument	210006115

Lender

Name	FREEDOM FIRST FCU
Type	Credit Union
Address	ROANOKE, VA 24019

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 191 Pinewatch Cir was $2,529.

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	$2,529.00	$588,300 Land $71,700 Building $516,600	$588,300 Land $71,700 Building $516,600
2023	$2,633.00	$431,800 (-) Land $43,700 Building $388,100	$431,800 (-) Land $43,700 Building $388,100
2022		$431,800 Land $43,700 Building $388,100	$431,800 Land $43,700 Building $388,100

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

Flood

FEMA maps place 191 Pinewatch Cir in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective January 6, 2010

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 191 Pinewatch Cir is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · above 54% of Virginia
Wildfire Likelihood	0.03% 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 20 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Glo Fiber Fiber	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Pinewatch Cir

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