2634 Waters Edge Dr, Penhook, VA 24137 Property Records

Franklin County property record for 2634 Waters Edge Dr, Penhook, VA 24137

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 1,904 sqft · built 2022
Lot Size	0.511 acres (22,259 sqft)
Owner	Individual Name on File
Last Sale	$152,000 (Dec 2020)
Tax Bill	$6,239 (2025)
Deeds & Mortgages	May 2022 Mortgage Dec 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`051 06-045 00`

Property Details

APN / Parcel Number

Primary APN	`051 06-045 00`
Alternative APN	`16004`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	17 Rooms
Stories	1 Story
Building Area	1,904 sqft Living Area
Gross Area	3,760 sqft
1st Floor Area	1,904 sqft
Basement Area	1,904 sqft
Finished Basement	1,293 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2024
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	22,259 sqft (0.511 acres)
Terrain	Rolling
View / Lot	Waterfront
Garage Area	588 sqft
Driveway	Asphalt Driveway
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Patio Area	594 sqft
Boat Access	Boat Access
Boat House	288 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	16004
Street Address	2634 WATERS EDGE DR
City	PENHOOK
State	VA
Zip	24137-5009
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	THE WATERS EDGE LOT 45 SECTION 1
Legal Subdivision	WATERS EDG
Legal Lot Number	45
Jurisdiction	FRANKLIN VA
Township / Civil Division	UNION HALL
Census Block Group	2
Census Block	2007
Census Tract	20102

Owner

2634 Waters Edge Dr is owned and occupied by an individual who bought it in December 2020.

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

Owner of Record	Individual Name on File
Mailing Address	2634 WATERS EDGE DR, PENHOOK, VA 24137-5009
Occupancy	Owner Occupied
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
May 16, 2022	Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK
Dec 15, 2020	Deed of Trust, Mortgage · Line of Credit AMERICAN NAT'L BK
Dec 15, 2020	Warranty Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 15, 2020 · Amount on File
Deed Sale	Dec 15, 2020 · Amount on File
Deed Document Number	202010420
Deed Book / Page	1153 / 655
Record Updated	Sep 20, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	2634 WATERS EDGE DR, PENHOOK, VA 24137-5009
Transaction Type	Mortgage
Record Updated	Jan 26, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0011841344
Date	May 16, 2022
Book Page	1184/1344
Instrument	220003894

Lender

Name	TRUIST BANK
Type	Bank
Address	RICHMOND, VA 23224

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	373 Months
Due	Jun 1, 2053

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	2634 WATERS EDGE DR, PENHOOK, VA 24137-5009
Document Number	0011530658
Instrument Date	Dec 15, 2020
Transaction Type	Mortgage
Record Updated	Jan 19, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0011530658
Date	Dec 15, 2020
Book Page	001153/000658
Instrument	10421

Lender

Name	AMERICAN NAT'L BK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN VA
Recording Date	Dec 15, 2020
Property Address	2634 WATERS EDGE DR, PENHOOK, VA 24137-5009
Document Number	0011530655
Book / Page	001153 / 000655
Instrument Date	Nov 16, 2020
Instrument	10420
Transaction Type	Transfer
Record Updated	Jan 19, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$150.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	503 YARMOUTH RD RALEIGH NC 276081031, RALEIGH, NC 27608-1031

Tax Assessment & Valuation

The 2025 property tax bill for 2634 Waters Edge Dr was $6,239.

Source: Franklin County assessment roll, as of June 19, 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	$6,239.00	$1,451,000 Land $300,000 Building $1,151,000	$1,451,000 Land $300,000 Building $1,151,000
2023	$2,850.00	$753,700 (+395.86%) Land $255,000 Building $498,700	$753,700 (+395.86%) Land $255,000 Building $498,700
2022		$152,000 Land $152,000	$152,000 Land $152,000

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

Flood

FEMA maps place 2634 Waters Edge Dr 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 2634 Waters Edge 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	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 51 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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