2790 Waters Edge Dr, Penhook, VA 24137 Property Records

Franklin County property record for 2790 Waters Edge Dr, Penhook, VA 24137

Property Summary

Property Type	Single Family Home
Details	2 bd · 3.5 ba · 2,102 sqft · built 1989
Lot Size	0.647 acres (28,183 sqft)
Owner	Individual Name on File
Last Sale	$740,000 (Jun 2017)
Tax Bill	$5,863 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Jun 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`051 06-040 00`

Property Details

APN / Parcel Number

Primary APN	`051 06-040 00`
Alternative APN	`15999`

Interior

Bedrooms	2 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	1 Story
Building Area	2,102 sqft Living Area
Gross Area	4,152 sqft
1st Floor Area	2,090 sqft
Basement Area	2,090 sqft
Finished Basement	1,070 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 2001
Exterior Material	Wood Siding
Foundation Type	Stone
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	28,183 sqft (0.647 acres)
Terrain	Rolling
View / Lot	Waterfront
Garage Area	440 sqft
Driveway	Paver Driveway
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	660 sqft
Deck Area	Deck Area
Patio Area	240 sqft
Balcony Area	12 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	Commercial

Location & Zoning

Account Number	15999
Street Address	2790 WATERS EDGE DR
City	PENHOOK
State	VA
Zip	24137-5002
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	THE WATERS EDGE LOT 40 SECTION 1
Legal Subdivision	WATERS EDG
Legal Lot Number	40
Jurisdiction	FRANKLIN VA
Township / Civil Division	UNION HALL
Census Block Group	2
Census Block	2007
Census Tract	20102

Owner

2790 Waters Edge Dr is owned by an individual who bought it in June 2017.

Source: Franklin County records, as of October 13, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	422 EDGEDALE DR, HIGH POINT, NC 27262-2908
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Jun 30, 2017	Warranty Deed, Transfer WELLS FARGO BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 30, 2017 · Amount on File
Deed Sale	Jun 30, 2017 · Amount on File
Deed Document Number	20174105
Deed Book / Page	1094 / 2838
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	2790 WATERS EDGE DR, PENHOOK, VA 24137-5002
Transaction Type	Mortgage
Record Updated	May 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0011611972
Date	Apr 26, 2021
Book Page	1161/1972
Instrument	210003892

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	May 1, 2041

Interest

Rate	2.75%

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN VA
Recording Date	Jun 30, 2017
Property Address	2790 WATERS EDGE DR, PENHOOK, VA 24137-5002
Document Number	0010942838
Book / Page	001094 / 002838
Instrument Date	Jun 19, 2017
Instrument	4105
Transaction Type	Transfer
Record Updated	Aug 23, 2018

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$740.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	10942840
Date	Jun 30, 2017
Book Page	001094/002840
Instrument	4106

Lender

Name	WELLS FARGO BK
Type	Bank

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 29, 2047

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 2790 Waters Edge Dr was $5,863.

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	$5,863.00	$1,363,700 Land $370,000 Building $993,700	$1,363,700 Land $370,000 Building $993,700
2023	$4,602.00	$754,500 (-) Land $317,000 Building $437,500	$754,500 (-) Land $317,000 Building $437,500
2022		$754,500 Land $317,000 Building $437,500	$754,500 Land $317,000 Building $437,500

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

Flood

FEMA maps place 2790 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 2790 Waters Edge Dr is low, with less than 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 94% of the US · lower than 96% of Virginia
Wildfire Likelihood	Under 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 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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