385 Cross Harbor Dr, Penhook, VA 24137 Property Records

Franklin County property record for 385 Cross Harbor Dr, Penhook, VA 24137

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,707 sqft · built 1988
Lot Size	0.64 acres (27,878 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,150,000 (May 2026)
Tax Bill	$4,233 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage May 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`051 07-058 00`

Property Details

APN / Parcel Number

Primary APN	`051 07-058 00`
Alternative APN	`16159`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,707 sqft Living Area
Gross Area	3,161 sqft
1st Floor Area	803 sqft
Basement Area	1,646 sqft
Finished Basement	823 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2001
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	27,878 sqft (0.64 acres)
Terrain	Rolling
View / Lot	Waterfront
Driveway	Paver Driveway

Exterior Amenities

Porch	Patio
Porch Area	942 sqft
Deck Area	512 sqft
Patio Area	890 sqft
Balcony Area	61 sqft
Boat Access	Boat Access
Boat House	264 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	16159
Street Address	385 CROSS HARBOR DR
City	PENHOOK
State	VA
Zip	24137-5003
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	THE WATER'S EDGE LOT 153 SECTION 2
Legal Subdivision	THE WATER'S EDG
Legal Lot Number	153
Jurisdiction	FRANKLIN VA
Township / Civil Division	UNION HALL
Census Block Group	2
Census Block	2010
Census Tract	20102

Owner

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	2 Individual Names on Record
Mailing Address	8110 BROOKS LAKE RD, BROWNS SUMMIT, NC 27214-9506
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
May 11, 2026	Deed, Transfer · Conventional Mortgage HOMETRUST BANK
May 11, 2026	Deed, Transfer · Conventional Mortgage HOMETRUST BANK
Jun 30, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Jun 30, 2020	Warranty Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 11, 2026 · Amount on Record
Deed Sale	May 11, 2026 · Amount on Record
Prior Sale	Jun 30, 2020 · Amount on Record
Deed Document Number	20263032
Deed Book / Page	1245 / 940
Record Updated	Oct 29, 2026

May 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN VA
Recording Date	May 11, 2026
Property Address	385 CROSS HARBOR DR, PENHOOK, VA 24137-5003
Document Number	0000003032
Book / Page	1245 / 940
Instrument Date	Apr 23, 2026
Instrument	20263032
Transaction Type	Transfer
Record Updated	Jun 5, 2026
Title Company	ANCHOE TITLE, ANCHOR TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$116,150.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	8110 BROOKS LAKE RD, BROWNS SUMMIT, NC 27214-9506

Mortgage

Document Number	0000003033,
Date	May 11, 2026
Instrument	20263033

Lender

Name	HOMETRUST BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 1, 2041

Interest

Rate Type	Fixed Rate
Rate	5.75%
Initial Type	Fixed Rate
Max Rate	-1%

May 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN VA
Recording Date	May 11, 2026
Property Address	385 CROSS HARBOR DR, PENHOOK, VA 24137-5003
Document Number	0012450940
Book / Page	1245 / 940
Instrument Date	Apr 23, 2026
Instrument	20263032
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	ANCHOR TITLE GROUP, ANCHOR TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$116,150.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	8110 BROOKS LAKE RD, BROWNS SUMMIT, NC 27214-9506

Mortgage

Document Number	0000003033,
Date	May 11, 2026
Instrument	20263033

Lender

Name	HOMETRUST BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 1, 2041

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRANKLIN VA
Recording Date	Jun 30, 2020
Property Address	385 CROSS HARBOR DR, PENHOOK, VA 24137-5003
Document Number	0011412800
Book / Page	001141 / 002800
Instrument Date	Jun 30, 2020
Instrument	4456
Transaction Type	Transfer
Record Updated	Aug 4, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48 WARDEN LN ST AUGUSTINE FL 320958605, ST AUGUSTINE, FL 32095-8605

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN VA
Recording Date	Jun 30, 2020
Property Address	385 CROSS HARBOR DR, PENHOOK, VA 24137-5003
Document Number	0011412798
Book / Page	001141 / 002798
Instrument Date	Jun 18, 2020
Instrument	4455
Transaction Type	Transfer
Record Updated	Aug 4, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$660.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48 WARDEN LN ST AUGUSTINE FL 320958605, ST AUGUSTINE, FL 32095-8605

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	$4,233.00 (+34.77%)	$984,500 (+91.17%) Land $217,000 Building $767,500	$984,500 (+91.17%) Land $217,000 Building $767,500
2023	$3,141.00	$515,000 (-) Land $185,000 Building $330,000	$515,000 (-) Land $185,000 Building $330,000
2022		$515,000 Land $185,000 Building $330,000	$515,000 Land $185,000 Building $330,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 500 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

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	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 53 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

Nearby Properties on Cross Harbor Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures