257 Morgans Mill Dr, Penhook, VA 24137 Property Records

Franklin County property record for 257 Morgans Mill Dr, Penhook, VA 24137

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,747 sqft · built 2005
Lot Size	0.623 acres (27,138 sqft)
Owner	Individual Name on File
Tax Bill	$2,970 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Oct 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`051 09-064 00`

Property Details

APN / Parcel Number

Primary APN	`051 09-064 00`
Alternative APN	`16282`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,747 sqft Living Area
Gross Area	2,697 sqft
1st Floor Area	1,746 sqft
Basement Area	1,747 sqft
Finished Basement	874 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2012
Exterior Material	Wood
Foundation Type	Stone
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	27,138 sqft (0.623 acres)
Terrain	Rolling
Garage Area	510 sqft
Driveway	Paver Driveway
Parking Spaces	2 Parking Spaces
Porch	Patio
Porch Area	440 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	16282
Street Address	257 MORGANS MILL DR
City	PENHOOK
State	VA
Zip	24137-5207
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	THE WATER'S EDGE LOT 296 SECTION 6
Legal Subdivision	THE WATER'S EDG
Legal Lot Number	296
Jurisdiction	FRANKLIN VA
Township / Civil Division	UNION HALL
Census Block Group	2
Census Block	2007
Census Tract	20102

Owner

257 Morgans Mill Dr is owned and occupied by an individual who acquired it in January 2014.

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

Owner of Record	Individual Name on File
Mailing Address	257 MORGANS MILL DR, PENHOOK, VA 24137-5207
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Borrower in Default

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
Feb 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage VIRGINIA CU INC
Oct 15, 2019	Deed of Trust, Mortgage · Conventional Mortgage VIRGINIA CU
Sep 13, 2017	Deed of Trust, Mortgage · Line of Credit SUNTRUST BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jan 3, 2014
Transfer Doc	0010440358
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	257 MORGANS MILL DR, PENHOOK, VA 24137-5207
Transaction Type	Mortgage
Record Updated	Feb 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0011561682
Date	Feb 8, 2021
Book Page	1156/1682
Instrument	210001273

Lender

Name	VIRGINIA CU INC
Type	Credit Union
Address	RICHMOND, VA 23225

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2036

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	257 MORGANS MILL DR, PENHOOK, VA 24137-5207
Document Number	0011290489
Instrument Date	Oct 15, 2019
Transaction Type	Mortgage
Record Updated	Nov 12, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	257 MORGANS MILL DR PENHOOK VA 241375207, PENHOOK, VA 24137-5207

Mortgage

Document Number	0011290489
Date	Oct 21, 2019
Book Page	001129/000489
Instrument	6706

Lender

Name	VIRGINIA CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 20, 2034

Interest

Rate Type	Fixed Rate

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	257 MORGANS MILL DR, PENHOOK, VA 24137-5207
Document Number	0010981408
Instrument Date	Sep 13, 2017
Transaction Type	Mortgage
Record Updated	Aug 28, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0010981408
Date	Sep 28, 2017
Book Page	001098/001408
Instrument	6111

Lender

Name	SUNTRUST BK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 27, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 257 Morgans Mill Dr was $2,970.

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	$2,970.00	$690,900 Land $45,000 Building $645,900	$690,900 Land $45,000 Building $645,900
2023	$2,454.00	$402,300 (-) Land $35,000 Building $367,300	$402,300 (-) Land $35,000 Building $367,300
2022		$402,300 Land $35,000 Building $367,300	$402,300 Land $35,000 Building $367,300

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

Flood

FEMA maps place 257 Morgans Mill Dr 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 257 Morgans Mill Dr 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 26 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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