25 Pine Bay Dr, Union Hall, VA 24176 Property Records

Franklin County property record for 25 Pine Bay Dr, Union Hall, VA 24176

Property Summary

Property Type	Other Improved
Lot Size	1.08 acres (47,306 sqft)
Owner	2 Individual Names on Record
Last Sale	$190,000 (Feb 2024)
Tax Bill	$1,591 (2025)
Deeds & Mortgages	Feb 2024 Sale & Mortgage Aug 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`048 11-025 00`

Property Details

APN / Parcel Number

Primary APN	`048 11-025 00`
Alternative APN	`15343`

Exterior

Lot Area	47,306 sqft (1.08 acres)
Terrain	Rolling
View / Lot	Waterfront

Utilities, Heating & Cooling

Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	15343
Street Address	25 PINE BAY DR
City	UNION HALL
State	VA
Zip	24176-4150
Property Category	Other
Property Type	Other > Other Improved
Local Zoning Code	RPD
Legal Description	CONTENTMENT ISLAND AMENDED LOT 25 SECTION 1
Legal Subdivision	CONTENTMENT ISLAND
Legal Lot Number	25
Jurisdiction	FRANKLIN VA
Township / Civil Division	UNION HALL
Census Block Group	3
Census Block	3007
Census Tract	20102

Owner

Source: Franklin County records, as of October 13, 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	7255 CHESTNUT CT, WARRENTON, VA 20187-4149
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Feb 9, 2024	Bargain and Sale Deed, Transfer · Conventional Mortgage UNITED BANK
Aug 6, 2021	Deed, Transfer · Commercial Mortgage WESBANCO BANK INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 9, 2024 · Amount on Record
Deed Sale	Feb 9, 2024 · Amount on Record
Prior Sale	Aug 6, 2021 · Amount on Record
Deed Document Number	2024753
Deed Book / Page	1209 / 496
Record Updated	Oct 29, 2026

February 2024: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	FRANKLIN VA
Recording Date	Feb 9, 2024
Property Address	25 PINE BAY DR, UNION HALL, VA 24176-4150
Document Number	0012090496
Book / Page	1209 / 496
Map Reference	MB 450 PG 817
Instrument Date	Feb 7, 2024
Instrument	240000753
Transaction Type	Transfer
Record Updated	Jun 19, 2026
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$95.00
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	7255 CHESTNUT CT, WARRENTON, VA 20187-4149

Mortgage

Document Number	0240000754
Date	Feb 9, 2024
Instrument	240000754

Lender

Name	UNITED BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	265 Months
Due	Mar 1, 2046

Interest

Rate Type	Adjustable Rate
Rate	7.75%
Type Change Date	Mar 1, 2029
Change Frequency	Annually
Min Rate At Change	5.75%
Max Rate At Change	9.75%
Index	1-Year T-Bill
Margin	4
Max Rate	12.7%

August 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN VA
Recording Date	Aug 6, 2021
Property Address	25 PINE BAY DR, UNION HALL, VA 24176-4150
Document Number	0011673071
Book / Page	1167 / 3071
Map Reference	MB 450 PG 817
Instrument Date	Jul 28, 2021
Instrument	210007344
Transaction Type	Transfer
Record Updated	Jun 19, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL INS CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$184.00
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	417 BLUEBIRD DR, RUSSELL, KY 41169-1571

Mortgage

Document Number	0210007345
Date	Aug 6, 2021
Instrument	210007345

Lender

Name	WESBANCO BANK INC
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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	$1,591.00 (+41.8%)	$370,000 (+101.09%) Land $360,000 Building $10,000	$370,000 (+101.09%) Land $360,000 Building $10,000
2023	$1,122.00	$184,000 (-) Land $180,000 Building $4,000	$184,000 (-) Land $180,000 Building $4,000
2022		$184,000 Land $180,000 Building $4,000	$184,000 Land $180,000 Building $4,000

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	31 units insured incl. 24 condo units

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 95% of the US · lower than 97.5% 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	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 59 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Glo Fiber Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: SMLW Broadband.

Cell Coverage

5G (outdoors only) and 4G LTE

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