352 Emerald Bay Dr, Moneta, VA 24121 Property Records

Franklin County property record for 352 Emerald Bay Dr, Moneta, VA 24121

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,556 sqft · built 2006
Lot Size	0.627 acres (27,312 sqft)
Owner	Individual Name on File
Last Sale	$675,000 (Apr 2018)
Tax Bill	$4,404 (2025)
Deeds & Mortgages	Dec 2022 Line of Credit Feb 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`032 11-010 00`

Property Details

APN / Parcel Number

Primary APN	`032 11-010 00`
Alternative APN	`41587`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Total Rooms	16 Rooms
Stories	1 Story
Building Area	3,556 sqft Living Area
Gross Area	6,248 sqft
1st Floor Area	3,258 sqft
Basement Area	2,172 sqft
Finished Basement	1,900 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2013
Exterior Material	Wood
Roof Type	Gable
Roof Material	Metal
Lot Area	27,312 sqft (0.627 acres)
Terrain	Rolling
Garage Area	576 sqft
Driveway	Paver Driveway
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	880 sqft
Deck Area	150 sqft
Patio Area	590 sqft
Balcony Area	12 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	41587
Street Address	352 EMERALD BAY DR
City	MONETA
State	VA
Zip	24121-6480
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SM
Legal Description	VILLAGES AT EMERALD BAY LOT 10
Legal Subdivision	VILLAGES AT EMERALD BAY
Legal Lot Number	10
Jurisdiction	FRANKLIN VA
Township / Civil Division	GILLS CREEK
Census Block Group	3
Census Block	3006
Census Tract	20104

Owner

352 Emerald Bay Dr is owned and occupied by an individual who bought it in April 2018.

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

Owner of Record	Individual Name on File
Mailing Address	352 EMERALD BAY DR, MONETA, VA 24121-6480
Occupancy	Owner Occupied
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
Dec 27, 2022	Deed of Trust, Mortgage · Line of Credit AMERICAN NATIONAL BANK & TRUST CO
Feb 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN NATIONAL BANK & TRUST CO
Apr 13, 2018	Warranty Deed, Transfer · Conventional Mortgage AMERICAN NAT'L BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 13, 2018 · Amount on File
Deed Sale	Apr 13, 2018 · Amount on File
Prior Sale	Jun 3, 2011 · Amount on File
Deed Document Number	20182291
Deed Book / Page	1106 / 3240
Record Updated	Sep 20, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	352 EMERALD BAY DR, MONETA, VA 24121-6480
Transaction Type	Mortgage
Record Updated	Jun 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	352 EMERALD BAY DR, MONETA, VA 24121-6480

Mortgage

Document Number	0011932586
Date	Dec 27, 2022
Book Page	1193/2586
Instrument	220009143

Lender

Name	AMERICAN NATIONAL BANK & TRUST CO
Type	Bank
Address	HARDY, VA 24101

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	352 EMERALD BAY DR, MONETA, VA 24121-6480
Transaction Type	Mortgage
Record Updated	Sep 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0011560323
Date	Feb 2, 2021
Book Page	1156/323
Instrument	210001053

Lender

Name	AMERICAN NATIONAL BANK & TRUST CO
Type	Bank
Address	DANVILLE, VA 24543

Agreement

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

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN VA
Recording Date	Apr 13, 2018
Property Address	352 EMERALD BAY DR, MONETA, VA 24121-6480
Document Number	0011063240
Book / Page	001106 / 003240
Instrument Date	Mar 14, 2018
Instrument	2291
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	$675.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	352 EMERALD BAY DR MONETA VA 241216480, MONETA, VA 24121-6480

Mortgage

Document Number	11063244
Date	Apr 13, 2018
Book Page	001106/003244
Instrument	2292

Lender

Name	AMERICAN NAT'L BK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Mortgage

Document Number	11063261,
Date	Apr 13, 2018
Book Page	001106/003261
Instrument	2293

Lender

Name	AMERICAN NAT'L BK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 352 Emerald Bay Dr was $4,404.

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	$4,404.00	$1,024,300 Land $78,000 Building $946,300	$1,024,300 Land $78,000 Building $946,300
2023	$4,042.00	$662,700 (-) Land $75,000 Building $587,700	$662,700 (-) Land $75,000 Building $587,700
2022		$662,700 Land $75,000 Building $587,700	$662,700 Land $75,000 Building $587,700

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

Flood

FEMA maps place 352 Emerald Bay Dr in Zone X, an area of minimal flood risk, within 500 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 500 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 352 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	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	WESTERN VIRGINIA WATER AUTHORITY serves 182,700 people · EPA ID VA2770900
Water Source	Surface water
Last State Inspection	Aug 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jan 2020 Haloacetic acids resolved · Jul 2017
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. This system sells water to local utilities; the supplier billing this address may be one of them.

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.

Cell Coverage

5G (outdoors only) and 4G LTE

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