235 Pine Bay Dr, Union Hall, VA 24176 Property Records

Franklin County property record for 235 Pine Bay Dr, Union Hall, VA 24176

Property Summary

Property Type	Single Family Home
Details	3 bd · 4.5 ba · 2,232 sqft · built 2002
Lot Size	0.384 acres (16,727 sqft)
Owner	Individual Name on Record
Tax Bill	$5,007 (2025)
Deeds & Mortgages	Nov 2021 Line of Credit Jul 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`048 11-035 00`

Property Details

APN / Parcel Number

Primary APN	`048 11-035 00`
Alternative APN	`15353`

Interior

Bedrooms	3 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,232 sqft Living Area
Gross Area	3,667 sqft
1st Floor Area	2,032 sqft
Basement Area	2,232 sqft
Finished Basement	2,000 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2010
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Stone
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	16,727 sqft (0.384 acres)
Terrain	Rolling
View / Lot	Waterfront
Garage Area	576 sqft
Driveway	Brick Driveway
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	756 sqft
Patio Area	103 sqft
Storage Building	Storage Building
Boat Access	Boat Access
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	15353
Street Address	235 PINE BAY DR
City	UNION HALL
State	VA
Zip	24176-4102
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	CONTENTMENT ISLAND LOT 35 SECTION 1
Legal Subdivision	CONTENTMENT ISLAND
Legal Lot Number	35
Jurisdiction	FRANKLIN VA
Township / Civil Division	UNION HALL
Census Block Group	3
Census Block	3007
Census Tract	20102

Owner

Source: Franklin County records, as of September 15, 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 Record
Mailing Address	235 PINE BAY DR, UNION HALL, VA 24176-4102
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 16, 2021	Deed of Trust, Mortgage · Line of Credit PROPONENT FCU
Jul 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 29, 2011
Deed Sale	Apr 29, 2011
Prior Sale	Dec 19, 2007
Deed Document Number	20112765
Deed Book / Page	997 / 489
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	235 PINE BAY DR, UNION HALL, VA 24176-4102
Transaction Type	Mortgage
Record Updated	Nov 30, 2021
Title Company	NORTHERN VIRGINIA LAND TITLE, NORTHERN VIRGINIA T&E INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0011741289
Date	Nov 16, 2021
Book Page	1174/1289
Instrument	210010777

Lender

Name	PROPONENT FCU
Type	Credit Union
Address	NUTLEY, NJ 07110

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	235 PINE BAY DR, UNION HALL, VA 24176-4102
Transaction Type	Mortgage
Record Updated	Aug 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0011670004
Date	Jul 23, 2021
Book Page	1167/4
Instrument	210006852

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Aug 1, 2041

Tax Assessment & Valuation

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	$5,007.00 (+4.07%)	$1,164,500 (+47.63%) Land $285,000 Building $879,500	$1,164,500 (+47.63%) Land $285,000 Building $879,500
2023	$4,811.00	$788,800 (-) Land $280,000 Building $508,800	$788,800 (-) Land $280,000 Building $508,800
2022		$788,800 Land $280,000 Building $508,800	$788,800 Land $280,000 Building $508,800

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
Nearby Flood Policies	31 units insured incl. 24 condo units

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 98% of the US · lower than 99% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WESTERN VIRGINIA WATER AUTHORITY serves 182,700 people · EPA ID VA2770900
Water Source	Surface water
Last State Inspection	Aug 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jan 2020 Haloacetic acids resolved · Jul 2017
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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 59 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Glo Fiber Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: SMLW Broadband.

Nearby Properties on Pine Bay Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures