350 Saddleridge Dr, Penhook, VA 24137 Property Records

Franklin County property record for 350 Saddleridge Dr, Penhook, VA 24137

Property Summary

Property Type	Single Family Home
Details	4 bd · 5.5 ba · 4,712 sqft · built 2000
Lot Size	0.544 acres (23,697 sqft)
Owner	Individual Name on File
Last Sale	$2,280,000 (Oct 2021)
Tax Bill	$10,504 (2025)
Deeds & Mortgages	Oct 2021 Sale Jan 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`051 10-057 00`

Property Details

APN / Parcel Number

Primary APN	`051 10-057 00`
Alternative APN	`16463`

Interior

Bedrooms	4 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	4,712 sqft Living Area
Gross Area	6,366 sqft
1st Floor Area	3,022 sqft
Basement Area	2,455 sqft
Finished Basement	2,455 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2009
Exterior Material	EIFS / Synthetic Stucco
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	23,697 sqft (0.544 acres)
Terrain	Rolling
View / Lot	Waterfront
Garage Area	628 sqft
Driveway	Paver Driveway
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool House	Pool House
Porch	Patio
Porch Area	926 sqft
Deck Area	100 sqft
Boat Access	Boat Access
Boat House	1,064 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	16463
Street Address	350 SADDLERIDGE DR
City	PENHOOK
State	VA
Zip	24137-2700
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	WATERS EDGE LOT 444 SECTION 7
Legal Subdivision	WATERS EDG
Legal Lot Number	444
Jurisdiction	FRANKLIN VA
Township / Civil Division	UNION HALL
Census Block Group	2
Census Block	2010
Census Tract	20102

Owner

350 Saddleridge Dr is owned by an individual who bought it in October 2021.

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

Owner of Record	Individual Name on File
Mailing Address	4929 AVALAIRE PINES DR, RALEIGH, NC 27614-9702
Owner Type	Individual
Vesting	Borrower in Default

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
Oct 15, 2021	Deed, Transfer ACCOMMODATION
Jan 10, 2020	Deed of Trust, Mortgage BANK OF AMERICA
Jul 10, 2019	Deed of Trust, Mortgage WELLS FARGO BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 15, 2021 · Amount on File
Deed Sale	Oct 15, 2021 · Amount on File
Prior Sale	Jul 10, 2013 · Amount on File
Deed Document Number	20219772
Deed Book / Page	1172 / 1561
Record Updated	Sep 20, 2026

October 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN VA
Recording Date	Oct 15, 2021
Property Address	350 SADDLERIDGE DR, PENHOOK, VA 24137-2700
Document Number	0011721561
Book / Page	1172 / 1561
Map Reference	MB 548 PG 463
Instrument Date	Oct 14, 2021
Instrument	210009772
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ACCOMMODATION

Transaction

Amount	Amount on Record
Tax	$2,280.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	4929 AVALAIRE PINES DR, RALEIGH, NC 27614-9702

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	350 SADDLERIDGE DR, PENHOOK, VA 24137-2700
Document Number	0011332114
Instrument Date	Jan 10, 2020
Transaction Type	Mortgage
Record Updated	Feb 25, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	350 SADDLERIDGE DR PENHOOK VA 241372700, PENHOOK, VA 24137-2700

Mortgage

Document Number	0011332114
Date	Jan 16, 2020
Book Page	001133/002114
Instrument	364

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 15, 2050

Interest

Rate Type	Fixed Rate
Rate	2.88%

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	350 SADDLERIDGE DR, PENHOOK, VA 24137-2700
Document Number	0011241865
Instrument Date	Jul 10, 2019
Transaction Type	Mortgage
Record Updated	May 8, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	350 SADDLERIDGE DR PENHOOK VA 241372700, PENHOOK, VA 24137-2700

Mortgage

Document Number	0011241865
Date	Jul 18, 2019
Book Page	001124/001865
Instrument	4285

Lender

Name	WELLS FARGO BK
Type	Bank

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jul 17, 2049

Interest

Rate Type	Fixed Rate
Rate	3.38%

Tax Assessment & Valuation

The 2025 property tax bill for 350 Saddleridge Dr was $10,504.

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	$10,504.00	$2,442,800 Land $310,000 Building $2,132,800	$2,442,800 Land $310,000 Building $2,132,800
2023	$8,721.00	$1,429,800 (+4.85%) Land $305,000 Building $1,124,800	$1,429,800 (+4.85%) Land $305,000 Building $1,124,800
2022		$1,363,600 Land $305,000 Building $1,058,600	$1,363,600 Land $305,000 Building $1,058,600

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

Flood

FEMA maps place 350 Saddleridge 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 350 Saddleridge Dr is low, with less than 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 95% of the US · lower than 97.5% of Virginia
Wildfire Likelihood	Under 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 54 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

Cell Coverage

5G (outdoors only) and 4G LTE

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