Franklin County property record for 38 Steph's Ln, Rocky Mount, VA 24151
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,144 sqft · built 1990 |
| Lot Size | 0.356 acres (15,507 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $237,800 (Mar 2026) |
| Tax Bill | $1,022 (2025) |
| Deeds & Mortgages | Dec 2023 Second Mortgage Mar 2026 Reverse Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 210 00-274 01 |
| Primary APN | 210 00-274 01 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,144 sqft Living Area |
| Gross Area | 1,572 sqft |
| 1st Floor Area | 1,144 sqft |
| Basement Area | 1,144 sqft |
| Finished Basement | 915 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 15,507 sqft (0.356 acres) |
| Terrain | Rolling |
| Garage Type | Carport |
| Carport | Carport |
| Driveway | Paver Driveway |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
|---|---|
| Porch Area | 96 sqft |
| Patio Area | 20 sqft |
| Shed | 1 Shed |
| Shed Area | 160 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 34344 |
|---|---|
| Street Address | 38 STEPHS LN |
| City | ROCKY MOUNT |
| State | VA |
| Zip | 24151-1820 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | THE CHASE LOT 2 |
| Legal Subdivision | THE CHAS |
| Legal Lot Number | 2 |
| Jurisdiction | FRANKLIN VA |
| Township / Civil Division | ROCKY MOUNT |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 20801 |
Source: Franklin County records, as of September 15, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 38 STEPHS LN, ROCKY MOUNT, VA 24151-1820 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Man |
| Date | Document |
|---|---|
| Dec 6, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage MEMBER ONE FCU |
| Mar 25, 2026 | Intrafamily Transfer, Transfer · Reverse Mortgage MUTUAL OF OMAHA MORTGAGE INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 25, 2026 · Amount on Record |
| Deed Sale | Mar 25, 2026 · Amount on Record |
| Deed Document Number | 20261836 |
| Deed Book / Page | 1242 / 2408 |
| Prior Transfer Date | Mar 20, 2026 |
| Prior Transfer Doc | 0012422408 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN VA |
| Property Address | 38 STEPHS LN, ROCKY MOUNT, VA 24151-1820 |
| Transaction Type | Mortgage |
| Record Updated | Apr 22, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0012062737 |
|---|---|
| Date | Dec 6, 2023 |
| Book Page | 1206/2737 |
| Instrument | 230007076 |
| Name | MEMBER ONE FCU |
|---|---|
| Type | Credit Union |
| Address | ROANOKE, VA 24016 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Dec 4, 2033 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | FRANKLIN VA |
| Recording Date | Mar 25, 2026 |
| Property Address | 38 STEPHS LN, ROCKY MOUNT, VA 24151-1820 |
| Document Number | 0012422408 |
| Book / Page | 1242 / 2408 |
| Map Reference | MB 457 PG 1077 |
| Instrument Date | Mar 20, 2026 |
| Instrument | 260001836 |
| Transaction Type | Transfer |
| Record Updated | Apr 22, 2026 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 38 STEPHS LN, ROCKY MOUNT, VA 24151-1820 |
| Name | Verified Name |
|---|---|
| Address | 38 STEPHS LN, ROCKY MOUNT, VA 24151-1820 |
| Document Number | 0260001837 |
|---|---|
| Date | Mar 25, 2026 |
| Instrument | 260001837 |
| Name | MUTUAL OF OMAHA MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 997 Months |
| Due | Apr 15, 2109 |
| Rate Type | Adjustable Rate |
|---|
Source: Franklin County assessment roll, as of September 15, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Franklin County |
| Municipality | Rocky Mount Town |
| Unified School District | Franklin County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,022.00 (+12.93%) | $237,800 (+60.24%) Land $28,000 Building $209,800 | $237,800 (+60.24%) Land $28,000 Building $209,800 |
| 2023 | $905.00 | $148,400 (-) Land $25,000 Building $123,400 | $148,400 (-) Land $25,000 Building $123,400 |
| 2022 | $148,400 Land $25,000 Building $123,400 | $148,400 Land $25,000 Building $123,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective January 6, 2010
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
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 | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| Lead | Under 1 ppb (2024–2026) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 175 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Glo Fiber Cable · Fiber in parts of the area | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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