25 Findlay Cir, Penhook, VA 24137 Property Records

Franklin County property record for 25 Findlay Cir, Penhook, VA 24137

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,187 sqft · built 1988
Lot Size	0.816 acres (35,545 sqft)
Owner	Individual Name on File
Last Sale	$1,130,000 (Oct 2020)
Tax Bill	$7,041 (2025)
Deeds & Mortgages	Oct 2020 Sale & Mortgage May 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`051 06-119 00`

Property Details

APN / Parcel Number

Primary APN	`051 06-119 00`
Alternative APN	`16074`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	3,187 sqft Living Area
Gross Area	5,034 sqft
1st Floor Area	1,771 sqft
Basement Area	2,348 sqft
Finished Basement	2,185 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2001
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	35,545 sqft (0.816 acres)
Terrain	Rolling
View / Lot	Waterfront
Garage Area	837 sqft
Driveway	Paver Driveway
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	30 sqft
Deck Area	40 sqft
Patio Area	264 sqft
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	16074
Street Address	25 FINDLAY CIR
City	PENHOOK
State	VA
Zip	24137-5234
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	WATERS EDGE LOT 204 SECTION 3
Legal Subdivision	WATERS EDG
Legal Lot Number	204
Jurisdiction	FRANKLIN VA
Township / Civil Division	UNION HALL
Census Block Group	2
Census Block	2007
Census Tract	20102

Owner

25 Findlay Cir is owned by an individual who bought it in October 2020.

Source: Franklin County records, as of September 15, 2026

Owner of Record	Individual Name on File
Mailing Address	3517 CHAUCER PL, RALEIGH, NC 27609-7001
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Oct 13, 2020	Deed, Transfer · Conventional Mortgage TRUIST BANK
May 31, 2019	Deed of Trust, Mortgage · Line of Credit BRANCH BANKING & TR CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 13, 2020 · Amount on File
Deed Sale	Oct 13, 2020 · Amount on File
Deed Document Number	20207933
Deed Book / Page	1148 / 2591
Record Updated	Oct 29, 2026

October 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN VA
Recording Date	Oct 13, 2020
Property Address	25 FINDLAY CIR, PENHOOK, VA 24137-5234
Document Number	0011482591
Book / Page	1148 / 2591
Instrument Date	Oct 5, 2020
Instrument	200007933
Transaction Type	Transfer
Record Updated	Nov 9, 2021
Title Company	FIDELITY NATIONAL TTL INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,130.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	200007934
Date	Oct 13, 2020
Instrument	200007934

Lender

Name	TRUIST BANK
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Type Change Date	Nov 1, 2027
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.62%
Index	1-Year LIBOR
Max Rate	8.62%

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	25 FINDLAY CIR, PENHOOK, VA 24137-5234
Document Number	0011222784
Instrument Date	May 31, 2019
Transaction Type	Mortgage
Record Updated	Jul 30, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25 FINDLAY CIR PENHOOK VA 241375234, PENHOOK, VA 24137-5234

Mortgage

Document Number	0011222784
Date	Jun 11, 2019
Book Page	001122/002784
Instrument	3379

Lender

Name	BRANCH BANKING & TR CO

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 25 Findlay Cir was $7,041.

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	$7,041.00	$1,637,600 Land $367,500 Building $1,270,100	$1,637,600 Land $367,500 Building $1,270,100
2023	$5,949.00	$975,300 (-) Land $341,000 Building $634,300	$975,300 (-) Land $341,000 Building $634,300
2022		$975,300 Land $341,000 Building $634,300	$975,300 Land $341,000 Building $634,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 25 Findlay Cir in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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

Wildfire risk around 25 Findlay Cir is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 96% 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	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

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