275 Penhook Pointe Cir, Penhook, VA 24137 Property Records

Franklin County property record for 275 Penhook Pointe Cir, Penhook, VA 24137

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,472 sqft · built 2022
Lot Size	1.48 acres (64,512 sqft)
Owner	Individual Name on Record
Last Sale	$145,000 (May 2021)
Tax Bill	$3,292 (2025)
Deeds & Mortgages	Dec 2022 Mortgage May 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`067 03-001 05A`

Property Details

APN / Parcel Number

Primary APN	`067 03-001 05A`
Alternative APN	`44095`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	11 Rooms
Stories	1 Story
Building Area	1,472 sqft Living Area
Gross Area	3,682 sqft
1st Floor Area	1,472 sqft
Basement Area	1,472 sqft
Finished Basement	876 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2024
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	64,512 sqft (1.48 acres)
Terrain	Rolling
View / Lot	Waterfront
Garage Area	624 sqft
Driveway	Concrete Driveway
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Deck Area	145 sqft
Patio Area	1,012 sqft
Shed	1 Shed
Shed Area	384 sqft
Storage Building	Storage Building
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	Well

Location & Zoning

Account Number	44095
Street Address	275 PENHOOK POINTE CIR
City	PENHOOK
State	VA
Zip	24137-1552
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A1
Legal Description	PENHOOK POINT LOT 5 SECTIONTION A
Legal Subdivision	PENHOOK POIN
Legal Lot Number	5
Jurisdiction	FRANKLIN VA
Township / Civil Division	UNION HALL
Census Block Group	2
Census Block	2013
Census Tract	20102

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	150 TRADE ST, COLLINSVILLE, VA 24078-2882
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 13, 2022	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN NATIONAL BANK & TRUST CO
May 5, 2023	Deed of Trust, Mortgage · Line of Credit AMERICAN NATIONAL BANK & TRUST CO
Apr 20, 2022	Gift Deed, Transfer · Line of Credit AMERICAN NATIONAL BANK & TRUST CO
May 26, 2021	Deed, Transfer · Conventional Mortgage GINGER INVESTMENTS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 26, 2021 · Amount on Record
Deed Sale	May 26, 2021 · Amount on Record
Prior Sale	Nov 1, 2012 · Amount on Record
Deed Document Number	20214986
Deed Book / Page	1163 / 1767
Last Transfer Date	Apr 19, 2022
Transfer Doc	0011823116
Record Updated	Sep 20, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	275 PENHOOK POINTE CIR, PENHOOK, VA 24137-1552
Transaction Type	Mortgage
Record Updated	Jan 26, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0011931311
Date	Dec 13, 2022
Book Page	1193/1311
Instrument	220008895

Lender

Name	AMERICAN NATIONAL BANK & TRUST CO
Type	Bank
Address	DANVILLE, VA 24541

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2038

Interest

Rate	5.5%

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	275 PENHOOK POINTE CIR, PENHOOK, VA 24137-1552
Transaction Type	Mortgage
Record Updated	Jan 26, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	275 PENHOOK POINTE CIR, PENHOOK, VA 24137-1552

Mortgage

Document Number	0011981278
Date	May 5, 2023
Book Page	1198/1278
Instrument	230002434

Lender

Name	AMERICAN NATIONAL BANK & TRUST CO
Type	Bank
Address	MARTINSVILLE, VA 24112

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2022: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	FRANKLIN VA
Recording Date	Apr 20, 2022
Property Address	275 PENHOOK POINTE CIR, PENHOOK, VA 24137-1552
Document Number	0011823116
Book / Page	1182 / 3116
Map Reference	MB 1161 PG 1561
Instrument Date	Apr 20, 2022
Instrument	220003143
Transaction Type	Transfer
Record Updated	Jan 26, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	150 JADE STREET, COLLINSVILLE, VA 24078

Mortgage

Document Number	0220003144
Date	Apr 20, 2022
Instrument	220003144

Lender

Name	AMERICAN NATIONAL BANK & TRUST CO
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN VA
Recording Date	May 26, 2021
Property Address	275 PENHOOK POINTE CIR, PENHOOK, VA 24137-1552
Document Number	0011631767
Book / Page	1163 / 1767
Map Reference	MB 1161 PG 1561
Instrument Date	May 21, 2021
Instrument	210004986
Transaction Type	Transfer
Record Updated	Jan 26, 2024
Title Company	COMMONWEALTH LAND TITLE INSURANCE, COMMONWEALTH LAND TITLE INS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$145.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	150 TRADE ST, COLLINSVILLE, VA 24078-2882

Mortgage

Document Number	0210004987
Date	May 26, 2021
Instrument	210004987

Lender

Name	GINGER INVESTMENTS LLC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 26, 2051

Tax Assessment & Valuation

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	$3,292.00 (+22.33%)	$765,800 (+73.57%) Land $152,000 Building $613,800	$765,800 (+73.57%) Land $152,000 Building $613,800
2023	$2,691.00	$441,200 (+293.93%) Land $145,000 Building $296,200	$441,200 (+293.93%) Land $145,000 Building $296,200
2022		$112,000 Land $112,000	$112,000 Land $112,000

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	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

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	0.02% 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	COTTAGE EDGE private · serves 80 people · EPA ID VA5067077
Water Source	Groundwater
Last State Inspection	Jan 2024
Also Mapped Here	VISTA POINTE LANDING
Lead	Under 1 ppb (2023–2025) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 63 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Glo Fiber Cable	1,000 / 50
Starlink Satellite	280 / 30

May also be available: SMLW Broadband.

Cell Coverage

5G (outdoors only) and 4G LTE

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