Franklin County property record for 20 Cottage Ln, Moneta, VA 24121 · Last verified June 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 1,958 sqft · built 1997 |
| Lot Size | 0.136 acres (5,924 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $1,150,000 (Sep 2025) |
| Tax Bill | $4,287 (2025) |
| Deeds & Mortgages | Sep 2025 Mortgage Sep 2025 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 032 06-107 00 |
| Primary APN | 032 06-107 00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 11 Rooms |
| Building Area | 1,958 sqft Living Area |
| Gross Area | 3,738 sqft Gross Area |
| 1st Floor Area | 1,930 sqft 1st Floor |
| Basement Area | 1,245 sqft Basement |
| Finished Basement | 1,245 sqft Finished |
| Stories | 1 Story |
| Flooring | Softwood |
| Interior Walls | Wallboard/Drywall |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplace |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 5,924 sqft (0.136 acres) |
| Parking Spaces | 1 Parking Space |
| Garage Area | 336 sqft Garage |
| Balcony Area | 14 sqft Balcony |
|---|---|
| Patio Area | 350 sqft Patio |
| Porch | Slab |
| Porch Area | 472 sqft Porch |
| Terrain | Rolling |
| Boat House | 288 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | 8672 |
|---|---|
| Street Address | 20 COTTAGE LN |
| City | MONETA |
| State | VA |
| Zip | 24121-3438 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BOARDWALK - COTTAGE LOT 17 |
| Legal Subdivision | BOARDWALK |
| Legal Lot Number | 17 |
| Jurisdiction | FRANKLIN VA |
| Township / Civil Division | GILLS CREEK |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 20104 |
Source: Franklin County records · APN 032 06-107 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 | 2 Trust Names on File |
|---|---|
| Mailing Address | 3659 PEAKWOOD DR SW, ROANOKE, VA 24014-4213 |
| Owner Type | Individual |
| Vesting | Trust, Revocable Trust |
| Date | Document |
|---|---|
| Sep 10, 2025 | Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC UNION BANK |
| Sep 10, 2025 | Intrafamily Transfer, Transfer |
| Apr 15, 2024 | Deed, Transfer ACCOMODATION, ACCOMMODATION |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 10, 2025 · Amount on Record |
| Deed Sale | Sep 10, 2025 · Amount on Record |
| Prior Sale | Nov 17, 2011 · Amount on Record |
| Deed Document Number | 20255923 |
| Deed Book / Page | 1234 / 1210 |
| Prior Transfer Date | Sep 05, 2025 |
| Prior Transfer Doc | 0012341233 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN VA |
| Property Address | 20 COTTAGE LN, MONETA, VA 24121-3438 |
| Transaction Type | Mortgage |
| Record Updated | Oct 10, 2025 |
| Title Company | CONWAY TITLE SERVICES INC, CONTURY TITLE SERVICES INC |
| Name | Verified Name |
|---|
| Document Number | 0012341214 |
|---|---|
| Date | Sep 10, 2025 |
| Book Page | 1234/1214 |
| Instrument | 250005924 |
| Name | ATLANTIC UNION BANK |
|---|---|
| Type | Bank |
| Address | RESTON, VA 20191 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6% |
| Type Change Date | Oct 01, 2032 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 11% |
| Index | 1-Year T-Bill |
| Max Rate | 11% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | FRANKLIN VA |
| Recording Date | Sep 10, 2025 |
| Property Address | 20 COTTAGE LN, MONETA, VA 24121-3438 |
| Document Number | 0012341233 |
| Book / Page | 1234 / 1233 |
| Map Reference | MB 571 PG 1347 |
| Instrument Date | Sep 10, 2025 |
| Instrument | 250005925 |
| Transaction Type | Transfer |
| Record Updated | Oct 10, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 3659 PEAKWOOD DR SW, ROANOKE, VA 24014-4213 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FRANKLIN VA |
| Recording Date | Apr 15, 2024 |
| Property Address | 20 COTTAGE LN, MONETA, VA 24121-3438 |
| Document Number | 0012112269 |
| Book / Page | 1211 / 2269 |
| Map Reference | MB 571 PG 1347 |
| Instrument Date | Apr 15, 2024 |
| Instrument | 240002080 |
| Transaction Type | Transfer |
| Record Updated | May 14, 2024 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Amount | Amount Recorded |
|---|---|
| Tax | $525.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 8418 ZINC AUTUMN PATH, RALEIGH, NC 27615-4978 |
Source: Franklin County records · Assessment roll updated June 19, 2026 · Last verified June 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Franklin County |
| Unified School District | Franklin County Public Schools (PK - 12) |
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 | $4,287.00 | $997,000 (-) Land $220,000 Building $777,000 | $997,000 (-) Land $220,000 Building $777,000 |
| 2024 | $4,287.00 (+11.67%) | $997,000 (+58.38%) Land $220,000 Building $777,000 | $997,000 (+58.38%) Land $220,000 Building $777,000 |
| 2023 | $3,839.00 | $629,500 (-) Land $215,000 Building $414,500 | $629,500 (-) Land $215,000 Building $414,500 |
| 2022 | $629,500 Land $215,000 Building $414,500 | $629,500 Land $215,000 Building $414,500 |
Source: FEMA National Flood Hazard Layer, Franklin County (51067C), updated January 6, 2010 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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