322 Larboard Dr, Moneta, VA 24121 Property Records

Franklin County property record for 322 Larboard Dr, Moneta, VA 24121

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,154 sqft · built 1989
Lot Size	0.459 acres (19,994 sqft)
Owner	Individual Name on File
Last Sale	$465,000 (Jan 2019)
Tax Bill	$3,476 (2025)
Deeds & Mortgages	Nov 2023 Line of Credit Aug 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`031 03-058 00`

Property Details

APN / Parcel Number

Primary APN	`031 03-058 00`
Alternative APN	`7737`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	16 Rooms
Stories	1 Story
Building Area	2,154 sqft Living Area
Gross Area	5,170 sqft
1st Floor Area	1,548 sqft
Basement Area	1,896 sqft
Finished Basement	1,517 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
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	19,994 sqft (0.459 acres)
Terrain	Rolling
View / Lot	Waterfront
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	174 sqft
Deck Area	25 sqft
Patio Area	448 sqft
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	7737
Street Address	322 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 54 SECTION 2
Legal Subdivision	THE WATER FRON
Legal Lot Number	54
Jurisdiction	FRANKLIN VA
Township / Civil Division	GILLS CREEK
Census Block Group	2
Census Block	2012
Census Tract	20104

Owner

322 Larboard Dr is owned by an individual who bought it in January 2019.

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

Owner of Record	Individual Name on File
Mailing Address	709 SARASOTA ARCH, CHESAPEAKE, VA 23322-6852
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
Nov 8, 2023	Deed of Trust, Mortgage · Line of Credit COMMONWEALTH ONE FCU
Aug 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage MOVEMENT MORTGAGE
Jan 4, 2019	Warranty Deed, Transfer · Conventional with PMI LEADERONE FIN'L

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 4, 2019 · Amount on File
Deed Sale	Jan 4, 2019 · Amount on File
Deed Document Number	201987
Deed Book / Page	1117 / 457
Prior Transfer Date	May 6, 2014
Prior Transfer Doc	00104801237
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	322 LARBOARD DR, MONETA, VA 24121-2316
Transaction Type	Mortgage
Record Updated	Dec 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0012060114
Date	Nov 8, 2023
Book Page	1206/114
Instrument	230006589

Lender

Name	COMMONWEALTH ONE FCU
Type	Credit Union
Address	ALEXANDRIA, VA 22304

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Nov 23, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	322 LARBOARD DR, MONETA, VA 24121-2316
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0011441268
Date	Aug 10, 2020
Book Page	1144/1268
Instrument	200005655

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company
Address	FORT MILL, SC 29707

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2050

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN VA
Recording Date	Jan 4, 2019
Property Address	322 LARBOARD DR, MONETA, VA 24121-2316
Document Number	0011170457
Book / Page	001117 / 000457
Instrument Date	Dec 26, 2018
Instrument	87
Transaction Type	Transfer
Record Updated	Feb 16, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$465.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	709 SARASOTA ARCH CHESAPEAKE VA 233226852, CHESAPEAKE, VA 23322-6852

Mortgage

Document Number	11170460
Date	Jan 4, 2019
Book Page	001117/000460
Instrument	88

Lender

Name	LEADERONE FIN'L
Type	Funding / Finance Company

Agreement

Type	Conventional with PMI
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 322 Larboard Dr was $3,476.

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	$3,476.00	$808,472 Land $180,000 Building $628,472	$808,472 Land $180,000 Building $628,472
2023	$3,207.00	$525,800 (-) Land $175,000 Building $350,800	$525,800 (-) Land $175,000 Building $350,800
2022		$525,800 Land $175,000 Building $350,800	$525,800 Land $175,000 Building $350,800

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

Flood

FEMA maps place 322 Larboard 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	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

Wildfire risk around 322 Larboard 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	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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