25 Loving Cir, Penhook, VA 24137 Property Records

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,027 sqft · built 1988
Lot Size	0.846 acres (36,852 sqft)
Owner	2 Trust Names on File
Last Sale	$800,000 (Dec 2022)
Tax Bill	$3,402 (2025)
Deeds & Mortgages	Dec 2021 Line of Credit Jun 2023 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`051 06-096 00`

Property Details

APN / Parcel Number

Primary APN	`051 06-096 00`
Alternative APN	`16053`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,027 sqft Living Area
Gross Area	3,516 sqft
1st Floor Area	1,723 sqft
Basement Area	1,723 sqft
Finished Basement	1,723 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2009
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	36,852 sqft (0.846 acres)
Terrain	Rolling
Garage Area	529 sqft
Driveway	Paver Driveway
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	232 sqft
Deck Area	120 sqft
Patio Area	120 sqft
Balcony Area	304 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	16053
Street Address	25 LOVING CIR
City	PENHOOK
State	VA
Zip	24137-5225
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	WATERS EDGE LOT 181 SECTION 3
Legal Subdivision	WATERS EDG
Legal Lot Number	181
Jurisdiction	FRANKLIN VA
Township / Civil Division	UNION HALL
Census Block Group	2
Census Block	2007
Census Tract	20102

Owner

25 Loving Cir is owner-occupied and held in a trust since October 2025.

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

Owner of Record	2 Trust Names on File
Mailing Address	25 LOVING CIR, PENHOOK, VA 24137-5225
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Revocable Trust

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
Dec 17, 2021	Deed of Trust, Mortgage · Line of Credit AMERICAN NATIONAL BANK & TRUST
Jun 21, 2023	Deed of Trust, Mortgage · Conventional Mortgage THRIVE MORTGAGE LLC
Aug 7, 2023	Deed of Trust, Mortgage · Line of Credit ATLANTIC UNION BANK
Oct 14, 2025	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Dec 9, 2022	Bargain and Sale Deed, Transfer · Conventional Mortgage THRIVE MORTGAGE LLC
Apr 16, 2021	Deed, Transfer ANCHOR TITLE/FL LLC, ANCHOR TITLE SML LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 9, 2022 · Amount on File
Deed Sale	Dec 9, 2022 · Amount on File
Prior Sale	Apr 16, 2021 · Amount on File
Deed Document Number	20228821
Deed Book / Page	1193 / 843
Last Transfer Date	Oct 13, 2025
Transfer Doc	0012353080
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	25 LOVING CIR, PENHOOK, VA 24137-5225
Transaction Type	Mortgage
Record Updated	Nov 10, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3829 DANIELEY WATER WHEEL RD, BURLINGTON, NC 27217-7301

Mortgage

Document Number	0011760679
Date	Dec 17, 2021
Book Page	1176/679
Instrument	210011688

Lender

Name	AMERICAN NATIONAL BANK & TRUST
Type	Bank
Address	BURLINGTON, NC 27215

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Dec 25, 2026

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	25 LOVING CIR, PENHOOK, VA 24137-5225
Transaction Type	Mortgage
Record Updated	Nov 10, 2025
Title Company	UNKNOWN, PIKE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25 LOVING CIR, PENHOOK, VA 24137-5225

Mortgage

Document Number	0012001143
Date	Jun 21, 2023
Book Page	1200/1143
Instrument	230003487

Lender

Name	THRIVE MORTGAGE LLC
Type	Mortgage Company
Address	GEORGETOWN, TX 78633

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2053

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	25 LOVING CIR, PENHOOK, VA 24137-5225
Transaction Type	Mortgage
Record Updated	Nov 10, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25 LOVING CIR, PENHOOK, VA 24137-5225

Mortgage

Document Number	0012020997
Date	Aug 7, 2023
Book Page	1202/997
Instrument	230004514

Lender

Name	ATLANTIC UNION BANK
Type	Bank
Address	GLEN ALLEN, VA 23060

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Jul 20, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FRANKLIN VA
Recording Date	Oct 14, 2025
Property Address	25 LOVING CIR, PENHOOK, VA 24137-5225
Document Number	0012353080
Book / Page	1235 / 3080
Map Reference	MB 416 PG 1517
Instrument Date	Oct 13, 2025
Instrument	250006697
Transaction Type	Transfer
Record Updated	Nov 10, 2025
Title Company	ACCOMODATION, ACCOMMODATION

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 Revocable Trust
Address	25 LOVING CIR, PENHOOK, VA 24137-5225

December 2022: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	FRANKLIN VA
Recording Date	Dec 9, 2022
Property Address	25 LOVING CIR, PENHOOK, VA 24137-5225
Document Number	0011930843
Book / Page	1193 / 843
Map Reference	MB 416 PG 1517
Instrument Date	Dec 5, 2022
Instrument	220008821
Transaction Type	Transfer
Record Updated	Nov 10, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$400.00
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	2285 SANBORN DR, SEDONA, AZ 86336-3207

Mortgage

Document Number	0220008822
Date	Dec 9, 2022
Instrument	220008822

Lender

Name	THRIVE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	8 Months
Due	Aug 1, 2023

April 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN VA
Recording Date	Apr 16, 2021
Property Address	25 LOVING CIR, PENHOOK, VA 24137-5225
Document Number	0011610062
Book / Page	1161 / 62
Map Reference	MB 416 PG 1517
Instrument Date	Apr 13, 2021
Instrument	210003599
Transaction Type	Transfer
Record Updated	Nov 10, 2025
Title Company	ANCHOR TITLE/FL LLC, ANCHOR TITLE SML LLC

Transaction

Amount	Amount on Record
Tax	$405.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 4005, BURLINGTON, NC 27215-0901

Tax Assessment & Valuation

The 2025 property tax bill for 25 Loving Cir was $3,402.

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	$3,402.00	$791,300 Land $66,300 Building $725,000	$791,300 Land $66,300 Building $725,000
2023	$2,472.00	$405,300 (-) Land $42,500 Building $362,800	$405,300 (-) Land $42,500 Building $362,800
2022		$405,300 Land $42,500 Building $362,800	$405,300 Land $42,500 Building $362,800

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

Flood

FEMA maps place 25 Loving Cir in Zone X, an area of minimal flood risk, within 500 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 500 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 Loving Cir is low, with 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 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

5G (outdoors only) and 4G LTE

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