239 Cedar Bay, Union Hall, VA 24176 Property Records

Franklin County property record for 239 Cedar Bay, Union Hall, VA 24176

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,567 sqft · built 2002
Lot Size	1.03 acres (44,867 sqft)
Owner	2 Company Names on Record
Last Sale	$1,525,000 (Jul 2026)
Tax Bill	$5,038 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Nov 2016 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`052 02-070 00`

Property Details

APN / Parcel Number

Primary APN	`052 02-070 00`
Alternative APN	`38012`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,567 sqft Living Area
Gross Area	5,513 sqft
1st Floor Area	2,508 sqft
Attic	Attic
Attic Area	163 sqft
Basement Area	2,509 sqft
Finished Basement	1,505 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2010
Exterior Material	Vinyl
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	44,867 sqft (1.03 acres)
Terrain	Rolling
Garage Area	652 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	240 sqft
Deck Area	240 sqft
Patio Area	80 sqft
Balcony Area	58 sqft
Boat Access	Boat Access
Boat House	864 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	38012
Street Address	239 CEDAR BAY
City	UNION HALL
State	VA
Zip	24176-4074
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A1
Legal Description	CEDAR BAY LOT 9
Legal Subdivision	CEDAR BAY
Legal Lot Number	9
Jurisdiction	FRANKLIN VA
Township / Civil Division	UNION HALL
Census Block Group	1
Census Block	1009
Census Tract	20102

Owner

Source: Franklin County records, as of August 6, 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	5321 GAINSBOROUGH DR, FAIRFAX, VA 22032-2742
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2026	Deed, Transfer · Conventional Mortgage LOAN STORE
Nov 1, 2016	Deed of Trust, Mortgage · Conventional Mortgage RELIANCE FIRST CAP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 15, 2026 · Amount on Record
Deed Sale	Jul 15, 2026 · Amount on Record
Deed Document Number	20264667
Deed Book / Page	1247 / 1714
Record Updated	Sep 20, 2026

July 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN VA
Recording Date	Jul 15, 2026
Property Address	239 CEDAR BAY, UNION HALL, VA 24176-4074
Document Number	0000004667
Book / Page	1247 / 1714
Instrument Date	Jul 2, 2026
Instrument	20264667
Transaction Type	Transfer
Record Updated	Aug 6, 2026
Title Company	ANCHOR TITLE GROUP, ANCHOR TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$154,025.00
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	5321 GAINSBOROUGH DR, FAIRFAX, VA 22032-2742

Mortgage

Document Number	0000004668,
Date	Jul 15, 2026
Instrument	20264668

Lender

Name	LOAN STORE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.48%
Initial Type	Fixed Rate
Max Rate	-1%

November 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	239 CEDAR BAY, UNION HALL, VA 24176-4074
Document Number	0010872151
Book / Page	001087 / 002151
Instrument Date	Nov 1, 2016
Transaction Type	Mortgage
Record Updated	Feb 2, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	239 CEDAR BAY UNION HALL VA 241764074, UNION HALL, VA 24176-4074

Mortgage

Document Number	0010872151
Date	Jan 10, 2017
Book Page	001087/002151
Instrument	136

Lender

Name	RELIANCE FIRST CAP
Type	Funding / Finance Company
Address	MELVILLE, NY 11747

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jan 9, 2037

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	$5,038.00 (+33.17%)	$1,171,800 (+88.91%) Land $142,000 Building $1,029,800	$1,171,800 (+88.91%) Land $142,000 Building $1,029,800
2023	$3,783.00	$620,300 (-) Land $130,000 Building $490,300	$620,300 (-) Land $130,000 Building $490,300
2022		$620,300 Land $130,000 Building $490,300	$620,300 Land $130,000 Building $490,300

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	4 (1992–2020)
Most Recent Claim	Nov 2020 · rainfall accumulation

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 80% of the US · lower than 71% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Glo Fiber Cable	1,000 / 50
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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