240 Saddleridge Dr, Penhook, VA 24137 Property Records

Franklin County property record for 240 Saddleridge Dr, Penhook, VA 24137

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,012 sqft · built 2003
Lot Size	0.675 acres (29,403 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,100,000 (Oct 2022)
Tax Bill	$6,725 (2025)
Deeds & Mortgages	Aug 2023 Transfer Oct 2022 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`051 10-053 00`

Property Details

APN / Parcel Number

Primary APN	`051 10-053 00`
Alternative APN	`16459`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	1 Story
Building Area	2,012 sqft Living Area
Gross Area	4,375 sqft
1st Floor Area	1,998 sqft
Basement Area	1,998 sqft
Finished Basement	1,629 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2015
Exterior Material	EIFS / Synthetic Stucco
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	29,403 sqft (0.675 acres)
Terrain	Rolling
View / Lot	Waterfront
Garage Area	1,026 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	968 sqft
Deck Area	369 sqft
Patio Area	761 sqft
Greenhouse	96 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ
Boat Access	Boat Access

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	16459
Street Address	240 SADDLERIDGE DR
City	PENHOOK
State	VA
Zip	24137-2717
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	WATERS EDGE LOT 440 SECTION 7
Legal Subdivision	WATERS EDG
Legal Lot Number	440
Jurisdiction	FRANKLIN VA
Township / Civil Division	UNION HALL
Census Block Group	2
Census Block	2010
Census Tract	20102

Owner

Source: Franklin County records, as of June 19, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	1986 WHITE HALL RD, CROZET, VA 22932-2632
Owner Type	Individual
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Aug 22, 2023	Intrafamily Transfer, Transfer
Oct 11, 2022	Deed, Transfer · Line of Credit DUPONT COMMUNITY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 11, 2022 · Amount on Record
Deed Sale	Oct 11, 2022 · Amount on Record
Deed Document Number	20227530
Deed Book / Page	1190 / 2718
Last Transfer Date	Aug 16, 2023
Transfer Doc	0012022994
Record Updated	Sep 20, 2026

August 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FRANKLIN VA
Recording Date	Aug 22, 2023
Property Address	240 SADDLERIDGE DR, PENHOOK, VA 24137-2717
Document Number	0012022994
Book / Page	1202 / 2994
Map Reference	MB 548 PG 463
Instrument Date	Aug 16, 2023
Instrument	230004862
Transaction Type	Transfer
Record Updated	Sep 26, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	1986 WHITE HALL RD, CROZET, VA 22932-2632

October 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN VA
Recording Date	Oct 11, 2022
Property Address	240 SADDLERIDGE DR, PENHOOK, VA 24137-2717
Document Number	0011902718
Book / Page	1190 / 2718
Map Reference	MB 548 PG 463
Instrument Date	Oct 10, 2022
Instrument	220007530
Transaction Type	Transfer
Record Updated	Jun 12, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$550.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety

Mortgage

Document Number	0220007531
Date	Oct 11, 2022
Instrument	220007531

Lender

Name	DUPONT COMMUNITY CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$6,725.00 (+34.85%)	$1,564,000 (+91.27%) Land $235,000 Building $1,329,000	$1,564,000 (+91.27%) Land $235,000 Building $1,329,000
2023	$4,987.00	$817,700 (-) Land $230,000 Building $587,700	$817,700 (-) Land $230,000 Building $587,700
2022		$817,700 Land $230,000 Building $587,700	$817,700 Land $230,000 Building $587,700

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	7 in force

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	0.01% 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 54 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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