292 Emerald Bay Dr, Moneta, VA 24121 Property Records

Franklin County property record for 292 Emerald Bay Dr, Moneta, VA 24121

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,316 sqft · built 2014
Lot Size	0.416 acres (18,121 sqft)
Owner	2 Trust Names on File
Last Sale	$565,000 (Nov 2020)
Tax Bill	$3,339 (2025)
Deeds & Mortgages	Aug 2026 Sale Jan 2024 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`032 11-006 00`

Property Details

APN / Parcel Number

Primary APN	`032 11-006 00`
Alternative APN	`41583`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,316 sqft Living Area
Gross Area	3,940 sqft
1st Floor Area	2,316 sqft
Basement Area	2,316 sqft
Finished Basement	2,316 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2019
Exterior Material	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	18,121 sqft (0.416 acres)
Terrain	Rolling
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	340 sqft
Deck Area	220 sqft
Patio Area	440 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	41583
Street Address	292 EMERALD BAY DR
City	MONETA
State	VA
Zip	24121-6522
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SM
Legal Description	VILLAGES AT EMERALD BAY LOT 6
Legal Subdivision	VILLAGES AT EMERALD BAY
Legal Lot Number	6
Jurisdiction	FRANKLIN VA
Township / Civil Division	GILLS CREEK
Census Block Group	3
Census Block	3001
Census Tract	20104

Owner

292 Emerald Bay Dr is owner-occupied and held in a trust since November 2020.

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

Owner of Record	2 Trust Names on File
Mailing Address	292 EMERALD BAY DR, MONETA, VA 24121-6522
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

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
Aug 21, 2026	Deed, Transfer NONE LISTED ON DOCUMENT
Jan 17, 2024	Intrafamily Transfer, Transfer
Nov 12, 2020	Deed, Transfer · Conventional Mortgage AMERIS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 12, 2020 · Amount on File
Deed Sale	Nov 12, 2020 · Amount on File
Prior Sale	Nov 19, 2010 · Amount on File
Deed Document Number	20209058
Deed Book / Page	1150 / 2668
Record Updated	Oct 29, 2026

August 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN VA
Recording Date	Aug 21, 2026
Property Address	292 EMERALD BAY DR, MONETA, VA 24121-6522
Document Number	0000005503
Book / Page	1249 / 50
Instrument Date	Aug 19, 2026
Instrument	20265503
Transaction Type	Transfer
Record Updated	Sep 15, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	292 EMERALD BAY DR, MONETA, VA 24121-6522

January 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FRANKLIN VA
Recording Date	Jan 17, 2024
Property Address	292 EMERALD BAY DR, MONETA, VA 24121-6522
Document Number	0012080762
Book / Page	1208 / 762
Map Reference	MB 1208 PG 59
Instrument Date	Jan 17, 2024
Instrument	240000267
Transaction Type	Transfer
Record Updated	Feb 13, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	430 EMERALD BAY DR, MONETA, VA 24121

November 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN VA
Recording Date	Nov 12, 2020
Property Address	292 EMERALD BAY DR, MONETA, VA 24121-6522
Document Number	0011502668
Book / Page	1150 / 2668
Map Reference	MB 1149 PG 2451
Instrument Date	Oct 30, 2020
Instrument	200009058
Transaction Type	Transfer
Record Updated	Nov 9, 2021
Title Company	SAGE TITLE GROUP LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$565.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1184 SHADOW PEAK RD, FOREST, VA 24551-2665

Mortgage

Document Number	200009059
Date	Nov 12, 2020
Instrument	200009059

Lender

Name	AMERIS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 292 Emerald Bay Dr was $3,339.

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	$3,339.00	$776,700 Land $63,000 Building $713,700	$776,700 Land $63,000 Building $713,700
2023	$3,070.00	$503,300 (-) Land $60,000 Building $443,300	$503,300 (-) Land $60,000 Building $443,300
2022		$503,300 Land $60,000 Building $443,300	$503,300 Land $60,000 Building $443,300

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

Flood

FEMA maps place 292 Emerald Bay 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
Flood Insurance Cost	Premium on File median of 10 policies
Nearby Flood Policies	10 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 292 Emerald Bay Dr is low, with a 0.02% 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	0.02% 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	VISTA POINTE LANDING serves 115 people · EPA ID VA5143861
Water Source	Groundwater
Last State Inspection	Sep 2024
Also Mapped Here	WESTERN VIRGINIA WATER AUTHORITY
Lead	Under 1 ppb (2021–2023) 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 29 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
Verizon Fixed Wireless	300 / 20

May also be available: ZiTEL.

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