320 Larboard Dr, Moneta, VA 24121 Property Records

Franklin County property record for 320 Larboard Dr, Moneta, VA 24121

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 1,638 sqft · built 1995
Lot Size	0.562 acres (24,481 sqft)
Owner	2 Company Names on File
Last Sale	$1,063,500 (Oct 2024)
Tax Bill	$3,392 (2025)
Deeds & Mortgages	Mar 2021 Line of Credit Dec 2024 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`031 03-056 00`

Property Details

APN / Parcel Number

Primary APN	`031 03-056 00`
Alternative APN	`7735`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,638 sqft Living Area
Gross Area	3,162 sqft
1st Floor Area	1,638 sqft
Basement Area	1,638 sqft
Finished Basement	1,160 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2011
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	24,481 sqft (0.562 acres)
Terrain	Rolling
View / Lot	Waterfront
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	752 sqft
Deck Area	128 sqft
Patio Area	448 sqft
Storage Building	60 sqft
Boat Access	Boat Access
Boat House	288 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Propane
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	7735
Street Address	320 LARBOARD DR
City	MONETA
State	VA
Zip	24121-2316
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	THE WATER FRONT LOT 52 SECTION 2
Legal Subdivision	THE WATER FRON
Legal Lot Number	52
Jurisdiction	FRANKLIN VA
Township / Civil Division	GILLS CREEK
Census Block Group	2
Census Block	2012
Census Tract	20104

Owner

Source: Franklin County records, as of September 15, 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	2 Company Names on File
Mailing Address	111 W 4TH AVE, DENVER, CO 80223-1112
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 2, 2021	Deed of Trust, Mortgage · Line of Credit THE NATIONAL BANK OF BLACKSBURG
Dec 16, 2024	Warranty Deed, Transfer
Oct 7, 2024	Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jul 14, 2021	Gift Deed, Transfer · Conventional Mortgage UNITED TRUST BANK
Oct 2, 2020	Warranty Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 7, 2024 · Amount on File
Deed Sale	Oct 7, 2024 · Amount on File
Prior Sale	Jul 14, 2021 · Amount on File
Deed Document Number	20246051
Deed Book / Page	1219 / 1964
Prior Transfer Date	Jul 9, 2021
Prior Transfer Doc	0011661291
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	320 LARBOARD DR, MONETA, VA 24121-2316
Transaction Type	Mortgage
Record Updated	Jan 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 LARBOARD DR, MONETA, VA 24121-2316

Mortgage

Document Number	0011580238
Date	Mar 2, 2021
Book Page	1158/238
Instrument	210002015

Lender

Name	THE NATIONAL BANK OF BLACKSBURG
Type	Bank
Address	BLACKSBURG, VA 24062

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN VA
Recording Date	Dec 16, 2024
Property Address	320 LARBOARD DR, MONETA, VA 24121-2316
Document Number	0012221866
Book / Page	1222 / 1866
Map Reference	MB 7 PG 147-150
Instrument Date	Dec 12, 2024
Instrument	240007563
Transaction Type	Transfer
Record Updated	Jan 19, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	111 W 4TH AVE, DENVER, CO 80223-1112

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	111 W 4TH AVE, DENVER, CO 80223-1112

October 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN VA
Recording Date	Oct 7, 2024
Property Address	320 LARBOARD DR, MONETA, VA 24121-2316
Document Number	0012191964
Book / Page	1219 / 1964
Map Reference	MB 7 PG 147-150
Instrument Date	Oct 4, 2024
Instrument	240006051
Transaction Type	Transfer
Record Updated	Jan 19, 2026
Title Company	PERFORMANCE TITLE AND SETTLEMENT, PERFORMANCE TTL & STLMT INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$531.75
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 in Common
Address	320 LARBOARD DR, MONETA, VA 24121-2316

Mortgage

Document Number	0240006056
Date	Oct 7, 2024
Instrument	240006056

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2054

July 2021: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	FRANKLIN VA
Recording Date	Jul 14, 2021
Property Address	320 LARBOARD DR, MONETA, VA 24121-2316
Document Number	0011661291
Book / Page	1166 / 1291
Map Reference	MB 7 PG 147-150
Instrument Date	Jul 9, 2021
Instrument	210006525
Transaction Type	Transfer
Record Updated	Jan 19, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL INS CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name
Address	320 LARBOARD DR, MONETA, VA 24121-2316

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	320 LARBOARD DR, MONETA, VA 24121-2316

Mortgage

Document Number	0210006526
Date	Jul 14, 2021
Instrument	210006526

Lender

Name	UNITED TRUST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN VA
Recording Date	Oct 2, 2020
Property Address	320 LARBOARD DR, MONETA, VA 24121-2316
Document Number	0011480959
Book / Page	001148 / 000959
Instrument Date	Sep 28, 2020
Instrument	7676
Transaction Type	Transfer
Record Updated	Oct 27, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$651.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 LARBOARD DR MONETA VA 241212316, MONETA, VA 24121-2316

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	$3,392.00 (-3.5%)	$789,000 (+36.91%) Land $220,000 Building $569,000	$789,000 (+36.91%) Land $220,000 Building $569,000
2023	$3,515.00	$576,300 (-) Land $215,000 Building $361,300	$576,300 (-) Land $215,000 Building $361,300
2022		$576,300 Land $215,000 Building $361,300	$576,300 Land $215,000 Building $361,300

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	2 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	0.01% annual chance
Exposure	Direct burnable vegetation

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 61 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Glo Fiber Cable	1,000 / 50

May also be available: SMLW Broadband.

Cell Coverage

5G (outdoors only) and 4G LTE

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