385 Waterside Dr, Moneta, VA 24121 Property Records

Franklin County property record for 385 Waterside Dr, Moneta, VA 24121

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 1,568 sqft · built 1985
Lot Size	2.52 acres (109,945 sqft)
Owner	Individual Name on File
Last Sale	$550,000 (Sep 2016)
Tax Bill	$4,136 (2025)
Deeds & Mortgages	Nov 2023 Line of Credit Oct 2020 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`031 00-017 01`

Property Details

APN / Parcel Number

Primary APN	`031 00-017 01`
Alternative APN	`7473`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,568 sqft Living Area
Gross Area	4,472 sqft
1st Floor Area	1,568 sqft
Basement Area	1,568 sqft
Finished Basement	1,568 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 2006
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	109,945 sqft (2.52 acres)
Terrain	Rolling
View / Lot	Waterfront
Garage Area	2,600 sqft
Parking Spaces	9 Parking Spaces

Exterior Amenities

Deck Area	168 sqft
Patio Area	704 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ
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	7473
Street Address	385 WATERSIDE DR
City	MONETA
State	VA
Zip	24121-2207
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	OFF RT 654-WINDLASS RD ON WATERSIDE DR
Jurisdiction	FRANKLIN VA
Township / Civil Division	GILLS CREEK
Census Block Group	1
Census Block	1009
Census Tract	20104

Owner

385 Waterside Dr is owned and occupied by an individual who acquired it in November 2021.

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

Owner of Record	Individual Name on File
Mailing Address	385 WATERSIDE DR, MONETA, VA 24121-2207
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
Nov 20, 2023	Deed of Trust, Mortgage · Line of Credit RIDGE VIEW LPO
Oct 16, 2020	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Dec 7, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage SWBC MORTGAGE CORP
Mar 20, 2020	Deed of Trust, Mortgage RESIDENTIAL MTG SVC
May 11, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF BOTETOURT
May 11, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF BOTETOURT

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 23, 2016 · Amount on File
Deed Sale	Sep 23, 2016 · Amount on File
Deed Document Number	20165812
Deed Book / Page	1082 / 2671
Last Transfer Date	Nov 29, 2021
Transfer Doc	0011751868
Record Updated	Sep 20, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	385 WATERSIDE DR, MONETA, VA 24121-2207
Transaction Type	Mortgage
Record Updated	Dec 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	385 WATERSIDE DR, MONETA, VA 24121-2207

Mortgage

Document Number	0012061453
Date	Nov 20, 2023
Book Page	1206/1453
Instrument	230006836

Lender

Name	RIDGE VIEW LPO
Type	Bank
Address	ROANOKE, VA 24011

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	354 Months
Due	May 30, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	385 WATERSIDE DR, MONETA, VA 24121-2207
Transaction Type	Mortgage
Record Updated	Sep 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3045 BAYBROOK DR, ROCKINGHAM, VA 22801-9309

Mortgage

Document Number	0011490046
Date	Oct 16, 2020
Book Page	1149/46
Instrument	200008087

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FRANKLIN VA
Recording Date	Dec 7, 2021
Property Address	385 WATERSIDE DR, MONETA, VA 24121-2207
Document Number	0011751868
Book / Page	1175 / 1868
Map Reference	MB 1087 PG 1592
Instrument Date	Nov 29, 2021
Instrument	210011363
Transaction Type	Transfer
Record Updated	Sep 6, 2022
Title Company	STAR CITY TITLE AND SETTLEMENT, STAR CITY TITLE AND SETMNT

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	385 WATERSIDE DR, MONETA, VA 24121-2207

Mortgage

Document Number	0210011364
Date	Dec 7, 2021
Instrument	210011364

Lender

Name	SWBC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2037

Interest

Rate	2.5%

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	385 WATERSIDE DR, MONETA, VA 24121-2207
Document Number	0011361493
Instrument Date	Mar 20, 2020
Transaction Type	Mortgage
Record Updated	May 12, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	385 WATERSIDE DR MONETA VA 241212207, MONETA, VA 24121-2207

Mortgage

Document Number	0011361493
Date	Mar 23, 2020
Book Page	001136/001493
Instrument	1896

Lender

Name	RESIDENTIAL MTG SVC
Type	Mortgage Company

Agreement

Amount	Amount on Record
Term	360 Months
Due	Mar 22, 2050

Interest

Rate Type	Fixed Rate

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	385 WATERSIDE DR, MONETA, VA 24121-2207
Document Number	0010922915
Instrument Date	May 11, 2017
Transaction Type	Mortgage
Record Updated	Nov 25, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	385 WATERSIDE DR MONETA VA 241212207, MONETA, VA 24121-2207

Mortgage

Document Number	0010922915
Date	May 19, 2017
Book Page	001092/002915
Instrument	3060

Lender

Name	BANK OF BOTETOURT
Type	Bank
Address	TROUTVILLE, VA 24175

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	385 WATERSIDE DR, MONETA, VA 24121-2207
Document Number	0010922915
Instrument Date	May 11, 2017
Transaction Type	Mortgage
Record Updated	Nov 12, 2019
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	385 WATERSIDE DR MONETA VA 241212207, MONETA, VA 24121-2207

Mortgage

Document Number	0010922915
Date	May 19, 2017
Book Page	001092/002915
Instrument	3060

Lender

Name	BANK OF BOTETOURT
Type	Bank
Address	TROUTVILLE, VA 24175

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 385 Waterside Dr was $4,136.

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	$4,136.00	$962,000 Land $290,500 Building $671,500	$962,000 Land $290,500 Building $671,500
2023	$4,585.00	$751,800 (-) Land $285,500 Building $466,300	$751,800 (-) Land $285,500 Building $466,300
2022		$751,800 Land $285,500 Building $466,300	$751,800 Land $285,500 Building $466,300

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

Flood

FEMA maps place 385 Waterside 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
Nearby Flood Policies	6 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 385 Waterside 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 96% of the US · lower than 98% 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 49 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Glo Fiber Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: SMLW Broadband.

Cell Coverage

5G (outdoors only) and 4G LTE

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