245 Cross Tower Dr, Penhook, VA 24137 Property Records

Franklin County property record for 245 Cross Tower Dr, Penhook, VA 24137

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,987 sqft · built 1998
Lot Size	0.669 acres (29,142 sqft)
Owner	Company Name on Record
Tax Bill	$3,249 (2025)
Deeds & Mortgages	Sep 2021 Line of Credit Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`051 09-048 00`

Property Details

APN / Parcel Number

Primary APN	`051 09-048 00`
Alternative APN	`16267`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,987 sqft Living Area
Gross Area	3,923 sqft
1st Floor Area	1,930 sqft
Basement Area	1,930 sqft
Finished Basement	1,724 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2007
Exterior Material	Wood
Foundation Type	Brick
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	29,142 sqft (0.669 acres)
Terrain	Rolling
Garage Area	592 sqft
Driveway	Paver Driveway
Parking Spaces	2 Parking Spaces
Porch	Patio
Porch Area	1,218 sqft
Deck Area	126 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	16267
Street Address	245 CROSS TOWER DR
City	PENHOOK
State	VA
Zip	24137-5235
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	THE WATER'S EDGE LOT 278 SECTION 6
Legal Subdivision	THE WATER'S EDG
Legal Lot Number	278
Jurisdiction	FRANKLIN VA
Township / Civil Division	UNION HALL
Census Block Group	2
Census Block	2007
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	Company Name on Record
Mailing Address	245 CROSS TOWER DR, PENHOOK, VA 24137-5235
Owner Type	Company
Vesting	Trust, Revocable Living Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 14, 2021	Deed of Trust, Mortgage · Line of Credit SALEM VA CREDIT UNION
Oct 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	245 CROSS TOWER DR, PENHOOK, VA 24137-5235
Transaction Type	Mortgage
Record Updated	Sep 30, 2021
Title Company	FIRST CHOICE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0011700789
Date	Sep 14, 2021
Book Page	1170/789
Instrument	210008607

Lender

Name	SALEM VA CREDIT UNION
Address	SALEM, VA 24153

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 13, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	245 CROSS TOWER DR, PENHOOK, VA 24137-5235
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0011481657
Date	Oct 7, 2020
Book Page	1148/1657
Instrument	200007800

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

Interest

Rate	3%

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	$3,249.00 (+15.5%)	$755,600 (+63.8%) Land $68,500 Building $687,100	$755,600 (+63.8%) Land $68,500 Building $687,100
2023	$2,813.00	$461,300 (-) Land $63,500 Building $397,800	$461,300 (-) Land $63,500 Building $397,800
2022		$461,300 Land $63,500 Building $397,800	$461,300 Land $63,500 Building $397,800

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	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 69 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Glo Fiber Cable	1,000 / 50

May also be available: SMLW Broadband.

Cell Coverage

4G LTE only, no 5G reported

Nearby Properties on Cross Tower Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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