40 Bay View Cir, Penhook, VA 24137 Property Records

Franklin County property record for 40 Bay View Cir, Penhook, VA 24137

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,095 sqft · built 1989
Lot Size	0.517 acres (22,521 sqft)
Owner	2 Trust Names on File
Last Sale	$1,750,000 (May 2024)
Tax Bill	$6,067 (2025)
Deeds & Mortgages	May 2020 Mortgage May 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`051 09-125 00`

Property Details

APN / Parcel Number

Primary APN	`051 09-125 00`
Alternative APN	`16342`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,095 sqft Living Area
Gross Area	3,581 sqft
1st Floor Area	2,047 sqft
Basement Area	2,047 sqft
Finished Basement	1,535 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 2001
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	22,521 sqft (0.517 acres)
Terrain	Rolling
View / Lot	Waterfront
Garage Area	552 sqft
Driveway	Paver Driveway
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	383 sqft
Deck Area	25 sqft
Patio Area	65 sqft
Balcony Area	48 sqft
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	16342
Street Address	40 BAY VIEW CIR
City	PENHOOK
State	VA
Zip	24137-5212
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	THE WATER'S EDGE LOT 358 SECTION 6
Legal Subdivision	THE WATER'S EDG
Legal Lot Number	358
Jurisdiction	FRANKLIN VA
Township / Civil Division	UNION HALL
Census Block Group	2
Census Block	2007
Census Tract	20102

Owner

40 Bay View Cir is owner-occupied and held in a trust since May 2024.

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

Owner of Record	2 Trust Names on File
Mailing Address	40 BAY VIEW CIR, PENHOOK, VA 24137-5212
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

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
May 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK
May 8, 2020	Warranty Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 17, 2024 · Amount on File
Deed Sale	May 17, 2024 · Amount on File
Prior Sale	May 8, 2020 · Amount on File
Deed Document Number	20242844
Deed Book / Page	1213 / 708
Record Updated	Sep 20, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	40 BAY VIEW CIR, PENHOOK, VA 24137-5212
Transaction Type	Mortgage
Record Updated	Sep 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0011382553
Date	May 6, 2020
Book Page	1138/2553
Instrument	200002978

Lender

Name	FIRST NATIONAL BANK
Type	Bank
Address	ALTAVISTA, VA 24517

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN VA
Recording Date	May 8, 2020
Property Address	40 BAY VIEW CIR, PENHOOK, VA 24137-5212
Document Number	0011383006
Book / Page	001138 / 003006
Instrument Date	May 8, 2020
Instrument	3048
Transaction Type	Transfer
Record Updated	Jun 9, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$180.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	309 HURT DR FERRUM VA 240882503, FERRUM, VA 24088-2503

Tax Assessment & Valuation

The 2025 property tax bill for 40 Bay View Cir was $6,067.

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	$6,067.00	$1,411,100 Land $416,300 Building $994,800	$1,411,100 Land $416,300 Building $994,800
2023	$4,977.00	$816,000 (-) Land $380,000 Building $436,000	$816,000 (-) Land $380,000 Building $436,000
2022		$816,000 Land $380,000 Building $436,000	$816,000 Land $380,000 Building $436,000

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

Flood

FEMA maps place 40 Bay View Cir 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
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

Wildfire risk around 40 Bay View Cir 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 98% of the US · lower than 99% of Virginia
Wildfire Likelihood	Under 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.

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 113 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
RiverStreet Networks Fiber	1,000 / 1,000
Glo Fiber Cable	1,000 / 50

May also be available: SMLW Broadband.

Cell Coverage

5G (outdoors only) and 4G LTE

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