392 Morgans Fork Rd, Penhook, VA 24137 Property Records

Franklin County property record for 392 Morgans Fork Rd, Penhook, VA 24137

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,320 sqft · built 1982
Lot Size	5.62 acres (244,981 sqft)
Owner	Individual Name on Record
Last Sale	$299,000 (Jun 2017)
Tax Bill	$1,799 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Aug 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`067 00-065 01`

Property Details

APN / Parcel Number

Primary APN	`067 00-065 01`
Alternative APN	`21829`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,320 sqft Living Area
Gross Area	3,738 sqft
1st Floor Area	2,088 sqft
Basement Area	1,392 sqft
Unfinished Basement	1,392 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 2006
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	244,981 sqft (5.62 acres)
Terrain	Rolling

Exterior Amenities

Porch	Slab
Porch Area	1,128 sqft
Gazebo	Gazebo
Quonset Hut	950 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	21829
Street Address	392 MORGANS FORK RD
City	PENHOOK
State	VA
Zip	24137-3303
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A1
Legal Description	RT 660-MORGANS FORK ROAD
Legal Subdivision	SURVEY FOR GARY L NICHOLS ETUX
Jurisdiction	FRANKLIN VA
Township / Civil Division	UNION HALL
Census Block Group	2
Census Block	2013
Census Tract	20102

Owner

Source: Franklin County records, as of June 19, 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	392 MORGANS FORK RD, PENHOOK, VA 24137-3303
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2021	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Aug 20, 2019	Deed of Trust, Mortgage · VA Mortgage WELLS FARGO BK
Jun 12, 2017	Grant Deed, Transfer · VA Mortgage ATLANTIC BAY MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 12, 2017 · Amount on Record
Deed Sale	Jun 12, 2017 · Amount on Record
Prior Sale	Jan 24, 2014 · Amount on Record
Deed Document Number	20173644
Deed Book / Page	1094 / 346
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	392 MORGANS FORK RD, PENHOOK, VA 24137-3303
Transaction Type	Mortgage
Record Updated	Sep 20, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0011691692
Date	Sep 2, 2021
Book Page	1169/1692
Instrument	210008255

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 1, 2036

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	392 MORGANS FORK RD, PENHOOK, VA 24137-3303
Document Number	0011261337
Instrument Date	Aug 20, 2019
Transaction Type	Mortgage
Record Updated	May 8, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	392 MORGANS FORK RD PENHOOK VA 241373303, PENHOOK, VA 24137-3303

Mortgage

Document Number	0011261337
Date	Aug 28, 2019
Book Page	001126/001337
Instrument	5275

Lender

Name	WELLS FARGO BK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 27, 2049

Interest

Rate Type	Fixed Rate
Rate	3.5%

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FRANKLIN VA
Recording Date	Jun 12, 2017
Property Address	392 MORGANS FORK RD, PENHOOK, VA 24137-3303
Document Number	0010940346
Book / Page	001094 / 000346
Instrument Date	May 9, 2017
Instrument	3644
Transaction Type	Transfer
Record Updated	Jun 27, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$299.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	392 MORGANS FORK RD PENHOOK VA 241373303, PENHOOK, VA 24137-3303

Mortgage

Document Number	10940349
Date	Jun 12, 2017
Book Page	001094/000349
Instrument	3645

Lender

Name	ATLANTIC BAY MTG
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23452

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 11, 2047

Tax Assessment & Valuation

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	$1,799.00 (+11,893.33%)	$418,400 (+38.13%) Land $50,500 Building $367,900	$418,400 (+38.13%) Land $50,500 Building $367,900
2023	$15.00	$302,900 (-) Land $43,500 Building $259,400	$302,900 (-) Land $43,500 Building $259,400
2022		$302,900 Land $43,500 Building $259,400	$302,900 Land $43,500 Building $259,400

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

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
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	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	COTTAGE EDGE private · serves 80 people · EPA ID VA5067077
Water Source	Groundwater
Last State Inspection	Jan 2024
Also Mapped Here	VISTA POINTE LANDING
Lead	Under 1 ppb (2023–2025) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 24 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
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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