245 Travers Ln, Moneta, VA 24121 Property Records

Franklin County property record for 245 Travers Ln, Moneta, VA 24121

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 2,232 sqft · built 2004
Lot Size	0.646 acres (28,140 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,050,000 (Jan 2024)
Tax Bill	$4,111 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Jan 2024 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`015 02-026 00`

Property Details

APN / Parcel Number

Primary APN	`015 02-026 00`
Alternative APN	`3077`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	1 Story
Building Area	2,232 sqft Living Area
Gross Area	5,238 sqft
1st Floor Area	2,232 sqft
Basement Area	2,232 sqft
Finished Basement	2,009 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2012
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	28,140 sqft (0.646 acres)
Terrain	Steep
View / Lot	Waterfront
Garage Area	840 sqft
Driveway	Paver Driveway
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	120 sqft
Deck Area	110 sqft
Patio Area	120 sqft
Boat Access	Boat Access
Boat House	560 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3077
Street Address	245 TRAVERS LN
City	MONETA
State	VA
Zip	24121-5781
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	STARWOOD LOT 5
Legal Subdivision	STARWOOD
Legal Lot Number	5
Jurisdiction	FRANKLIN VA
Township / Civil Division	GILLS CREEK
Census Block Group	1
Census Block	1016
Census Tract	20302

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	245 TRAVERS LN, MONETA, VA 24121-5781
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Dec 29, 2025	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU OF MARYLAND INC
Jan 12, 2024	Bargain and Sale Deed, Transfer · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP
May 17, 2017	Deed of Trust, Mortgage · Conventional Mortgage HUD-HOUSING/URBAN DEV
May 17, 2017	Deed of Trust, Mortgage REVERSE MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 12, 2024 · Amount on Record
Deed Sale	Jan 12, 2024 · Amount on Record
Deed Document Number	2024208
Deed Book / Page	1208 / 465
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	245 TRAVERS LN, MONETA, VA 24121-5781
Transaction Type	Mortgage
Record Updated	Jan 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	245 TRAVERS LN, MONETA, VA 24121-5781

Mortgage

Document Number	0012383536
Date	Dec 29, 2025
Book Page	1238/3536
Instrument	250008266

Lender

Name	STATE EMPLOYEES CU OF MARYLAND INC
Type	Credit Union
Address	BALTIMORE, MD 21203

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Type Change Date	Jan 1, 2031
Change Frequency	5 Years
Min Rate At Change	3.75%
Max Rate At Change	7.75%
Index	5-Year TN
Max Rate	11.7%

January 2024: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	FRANKLIN VA
Recording Date	Jan 12, 2024
Property Address	245 TRAVERS LN, MONETA, VA 24121-5781
Document Number	0012080465
Book / Page	1208 / 465
Map Reference	MB 399 PG 477
Instrument Date	Jan 8, 2024
Instrument	240000208
Transaction Type	Transfer
Record Updated	Feb 8, 2024
Title Company	REPUBLIC NATIONAL TITLE INSURANCE COMPANY, OLD REPUBLIC NATL TTL INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$525.00
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
Address	245 TRAVERS LN, MONETA, VA 24121-5781

Mortgage

Document Number	0240000209
Date	Jan 12, 2024
Instrument	240000209

Lender

Name	PROVIDENT FUNDING ASSOCIATES LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2054

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	245 TRAVERS LN, MONETA, VA 24121-5781
Document Number	0010922689
Instrument Date	May 17, 2017
Transaction Type	Mortgage
Record Updated	Jan 9, 2019
Title Company	PARADISE SETTLEMENT SERVICES LLC, PARADISE SETTLEMENT SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	245 TRAVERS LN MONETA VA 241215781, MONETA, VA 24121-5781

Mortgage

Document Number	0010922689
Date	May 17, 2017
Book Page	001092/002689
Instrument	3018

Lender

Name	HUD-HOUSING/URBAN DEV

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	996 Months
Due	May 16, 2100

Interest

Rate Type	Adjustable Rate
Rate	4.52%

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	245 TRAVERS LN, MONETA, VA 24121-5781
Document Number	0010922675
Instrument Date	May 17, 2017
Transaction Type	Mortgage
Record Updated	Jun 5, 2017
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	245 TRAVERS LN MONETA VA 241215781, MONETA, VA 24121-5781

Mortgage

Document Number	0010922675
Date	May 17, 2017
Book Page	001092/002675
Instrument	3017

Lender

Name	REVERSE MTG
Type	Mortgage Company
Address	BLOOMFIELD, NJ 07003

Agreement

Amount	Amount Recorded
Term	996 Months
Due	May 16, 2100

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	$4,111.00 (-5.49%)	$956,100 (+34.06%) Land $202,000 Building $754,100	$956,100 (+34.06%) Land $202,000 Building $754,100
2023	$4,350.00	$713,200 (-) Land $195,000 Building $518,200	$713,200 (-) Land $195,000 Building $518,200
2022		$713,200 Land $195,000 Building $518,200	$713,200 Land $195,000 Building $518,200

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

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

Values are read at the parcel center point; 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 93% of the US · lower than 95% of Virginia
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Indirect within 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 63 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Glo Fiber Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: SMLW Broadband, T-Mobile, Xfinity, ZiTEL.

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