3961 Bluewater Dr, Moneta, VA 24121 Property Records

Franklin County property record for 3961 Bluewater Dr, Moneta, VA 24121

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,756 sqft · built 1998
Lot Size	0.429 acres (18,687 sqft)
Owner	Individual Name on File
Last Sale	$565,000 (Jan 2015)
Tax Bill	$3,583 (2025)
Deeds & Mortgages	Mar 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`032 04-001 00`

Property Details

APN / Parcel Number

Primary APN	`032 04-001 00`
Alternative APN	`8506`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,756 sqft Living Area
Gross Area	3,413 sqft
1st Floor Area	1,756 sqft
Basement Area	1,756 sqft
Finished Basement	1,105 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2007
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	18,687 sqft (0.429 acres)
Terrain	Rolling
View / Lot	Waterfront
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	245 sqft
Deck Area	180 sqft
Storage Building	Storage Building
Boat Access	Boat Access
Boat House	288 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	8506
Street Address	3961 BLUEWATER DR
City	MONETA
State	VA
Zip	24121-5226
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RC1
Legal Description	LOOKOUT POINTE LOT 1 SECTION 1
Legal Subdivision	LOOKOUT POIN
Legal Lot Number	1
Jurisdiction	FRANKLIN VA
Township / Civil Division	GILLS CREEK
Census Block Group	3
Census Block	3005
Census Tract	20104

Owner

3961 Bluewater Dr is owned by an individual who bought it in January 2015.

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

Owner of Record	Individual Name on File
Mailing Address	3810 CROSSTIMBERS DR, GREENSBORO, NC 27410-2131
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 5, 2015 · Amount on File
Deed Sale	Jan 5, 2015 · Amount on File
Deed Document Number	201552
Deed Book / Page	1057 / 242
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	3961 BLUEWATER DR, MONETA, VA 24121-5226
Transaction Type	Mortgage
Record Updated	Nov 9, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0011582137
Date	Mar 11, 2021
Book Page	1158/2137
Instrument	210002356

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	287 Months
Due	Feb 1, 2045

Tax Assessment & Valuation

The 2025 property tax bill for 3961 Bluewater Dr was $3,583.

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	$3,583.00	$833,300 Land $260,000 Building $573,300	$833,300 Land $260,000 Building $573,300
2023	$3,606.00	$591,200 (-) Land $255,000 Building $336,200	$591,200 (-) Land $255,000 Building $336,200
2022		$591,200 Land $255,000 Building $336,200	$591,200 Land $255,000 Building $336,200

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

Flood

FEMA maps place 3961 Bluewater Dr in Zone X, an area of minimal flood risk, within 100 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 100 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 3961 Bluewater 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 94% of the US · lower than 96% of Virginia
Wildfire Likelihood	Under 0.01% 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	PARK PLACE private · serves 501 people · EPA ID VA5067725
Water Source	Groundwater
Last State Inspection	May 2025
Lead	4 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	2 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 36 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Xfinity.

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