2860 Waters Edge Dr, Penhook, VA 24137 Property Records

Franklin County property record for 2860 Waters Edge Dr, Penhook, VA 24137

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,195 sqft · built 1988
Lot Size	0.449 acres (19,558 sqft)
Owner	2 Individual Names on Record
Last Sale	$172,500 (Jan 2023)
Tax Bill	$6,545 (2025)
Deeds & Mortgages	Oct 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`051 06-037 00`

Property Details

APN / Parcel Number

Primary APN	`051 06-037 00`
Alternative APN	`15996`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,195 sqft Living Area
Gross Area	4,747 sqft
1st Floor Area	2,056 sqft
Basement Area	2,056 sqft
Finished Basement	2,056 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2001
Exterior Material	Brick
Foundation Type	Brick
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	19,558 sqft (0.449 acres)
Terrain	Rolling
View / Lot	Waterfront
Garage Area	702 sqft
Driveway	Paver Driveway
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	48 sqft
Deck Area	240 sqft
Patio Area	162 sqft
Storage Building	Storage Building
Boat Access	Boat Access

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	15996
Street Address	2860 WATERS EDGE DR
City	PENHOOK
State	VA
Zip	24137-5018
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	THE WATERS EDGE LOT 37 SECTION 1
Legal Subdivision	WATERS EDG
Legal Lot Number	37
Jurisdiction	FRANKLIN VA
Township / Civil Division	UNION HALL
Census Block Group	2
Census Block	2007
Census Tract	20102

Owner

Source: Franklin County records, as of September 15, 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	116 SINEGAR PL, STERLING, VA 20165-5117
Owner Type	Individual
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 5, 2023 · Amount on Record
Deed Sale	Jan 5, 2023 · Amount on Record
Prior Sale	Oct 5, 2018 · Amount on Record
Deed Document Number	202354
Deed Book / Page	1194 / 319
Record Updated	Oct 29, 2026

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN VA
Recording Date	Oct 5, 2018
Property Address	2860 WATERS EDGE DR, PENHOOK, VA 24137-5018
Document Number	0011131605
Book / Page	001113 / 001605
Instrument Date	Sep 5, 2018
Instrument	6138
Transaction Type	Transfer
Record Updated	Feb 17, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$895.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	116 SINEGAR PL STERLING VA 201655117, STERLING, VA 20165-5117

Mortgage

Document Number	11131608
Date	Oct 5, 2018
Book Page	001113/001608
Instrument	6139

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Amount	Amount Recorded

Interest

Rate Type	Fixed 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	$6,545.00 (+23.77%)	$1,522,100 (+75.58%) Land $370,000 Building $1,152,100	$1,522,100 (+75.58%) Land $370,000 Building $1,152,100
2023	$5,288.00	$866,900 (-) Land $329,000 Building $537,900	$866,900 (-) Land $329,000 Building $537,900
2022		$866,900 Land $329,000 Building $537,900	$866,900 Land $329,000 Building $537,900

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 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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