293 Big Cove Dr, Penhook, VA 24137 Property Records

Franklin County property record for 293 Big Cove Dr, Penhook, VA 24137

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,950 sqft · built 2021
Lot Size	2.06 acres (90,126 sqft)
Owner	Individual Name on File
Last Sale	$2,418,000 (May 2022)
Tax Bill	$10,115 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Mar 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`051 18-005 00`

Property Details

APN / Parcel Number

Primary APN	`051 18-005 00`
Alternative APN	`44699`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	14 Rooms
Stories	1 Story
Building Area	2,950 sqft Living Area
Gross Area	5,628 sqft
1st Floor Area	2,950 sqft
Basement Area	1,844 sqft
Finished Basement	1,306 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2024
Exterior Material	Wood
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	90,126 sqft (2.06 acres)
Terrain	Rolling
View / Lot	Waterfront
Garage Area	726 sqft
Driveway	Concrete Driveway
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Storage Building	Storage Building
Boat Access	Boat Access
Boat House	144 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	44699
Street Address	293 BIG COVE DR
City	PENHOOK
State	VA
Zip	24137-3402
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A1
Legal Description	SMUGGLERS BEACH LOT 5
Legal Subdivision	SMUGGLERS BEAC
Legal Lot Number	5
Jurisdiction	FRANKLIN VA
Township / Civil Division	UNION HALL
Census Block Group	2
Census Block	2008
Census Tract	20102

Owner

293 Big Cove Dr is owned by an individual who bought it in May 2022.

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

Owner of Record	Individual Name on File
Mailing Address	41055 BROOK GROVE DR, ALDIE, VA 20105-5845
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
Mar 4, 2022	Deed of Trust, Mortgage · Conventional Mortgage BANK OF THE JAMES
Mar 4, 2022	Deed of Trust, Mortgage · Commercial Mortgage BANK OF THE JAMES
May 2, 2022	Deed, Transfer · Conventional Mortgage ATLANTIC COAST MORTGAGE
Jan 14, 2021	Bargain and Sale Deed, Construction Loan · Construction Mortgage BANK OF THE JAMES

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 2, 2022 · Amount on File
Deed Sale	May 2, 2022 · Amount on File
Prior Sale	Jan 14, 2021 · Amount on File
Deed Document Number	20223477
Deed Book / Page	1183 / 2096
Record Updated	Sep 20, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	293 BIG COVE DR, PENHOOK, VA 24137-3402
Transaction Type	Mortgage
Record Updated	Jan 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0011801323
Date	Mar 4, 2022
Book Page	1180/1323
Instrument	220001795

Lender

Name	BANK OF THE JAMES
Type	Bank
Address	FOREST, VA 24551

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	293 BIG COVE DR, PENHOOK, VA 24137-3402
Transaction Type	Mortgage
Record Updated	Jan 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1181 TONI LN, FOREST, VA 24551-5140

Mortgage

Document Number	0011801339
Date	Mar 4, 2022
Book Page	1180/1339
Instrument	220001796

Lender

Name	BANK OF THE JAMES
Type	Bank
Address	FOREST, VA 24551

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

May 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN VA
Recording Date	May 2, 2022
Property Address	293 BIG COVE DR, PENHOOK, VA 24137-3402
Document Number	0011832096
Book / Page	1183 / 2096
Map Reference	MB 998 PG 647
Instrument Date	Apr 12, 2022
Instrument	220003477
Transaction Type	Transfer
Record Updated	Jun 26, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,209.00
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	293 BIG COVE DR, PENHOOK, VA 24137-3402

Mortgage

Document Number	0220003478
Date	May 2, 2022
Instrument	220003478

Lender

Name	ATLANTIC COAST MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2052

January 2021: Bargain and Sale Deed, Construction Loan

Document Type	Bargain and Sale Deed
Jurisdiction	FRANKLIN VA
Recording Date	Jan 14, 2021
Property Address	293 BIG COVE DR, PENHOOK, VA 24137-3402
Document Number	0011542695
Book / Page	1154 / 2695
Instrument Date	Jan 8, 2021
Instrument	210000420
Transaction Type	Construction Loan
Record Updated	Sep 6, 2022
Title Company	RELIANCE TITLE & SETMNT LLC

Transaction

Amount	Amount on Record
Tax	$250.00
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	PO BOX 342, FOREST, VA 24551-0342

Mortgage

Document Number	0210000421
Date	Jan 14, 2021
Instrument	210000421

Lender

Name	BANK OF THE JAMES
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 293 Big Cove Dr was $10,115.

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	$10,115.00	$2,352,500 Land $403,500 Building $1,949,000	$2,352,500 Land $403,500 Building $1,949,000
2023	$4,778.00	$783,300 (-) Land $149,400 Building $633,900	$783,300 (-) Land $149,400 Building $633,900
2022		$783,300 Land $149,400 Building $633,900	$783,300 Land $149,400 Building $633,900

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 293 Big Cove 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 293 Big Cove 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 93% of the US · lower than 95% of Virginia
Wildfire Likelihood	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	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 18 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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