40 Big Cove Dr, Penhook, VA 24137 Property Records

Franklin County property record for 40 Big Cove Dr, Penhook, VA 24137

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 1,924 sqft · built 2021
Lot Size	2.28 acres (99,317 sqft)
Owner	Individual Name on File
Last Sale	$1,600,000 (Aug 2025)
Tax Bill	$4,804 (2025)
Deeds & Mortgages	Aug 2025 Sale & Mortgage Apr 2021 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`051 16-009 00`

Property Details

APN / Parcel Number

Primary APN	`051 16-009 00`
Alternative APN	`43832`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	13 Rooms
Stories	1 Story
Building Area	1,924 sqft Living Area
Gross Area	3,284 sqft
1st Floor Area	1,924 sqft
Basement Area	1,924 sqft
Finished Basement	983 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2024
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	99,317 sqft (2.28 acres)
Terrain	Rolling
View / Lot	Waterfront
Garage Area	600 sqft
Driveway	Concrete Driveway
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Patio Area	408 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	Well

Location & Zoning

Account Number	43832
Street Address	40 BIG COVE DR
City	PENHOOK
State	VA
Zip	24137-3431
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A1
Legal Description	A P DAVIS ESTATE LOT 9B
Legal Subdivision	A P DAVIS ESTATE
Legal Lot Number	9B
Jurisdiction	FRANKLIN VA
Township / Civil Division	UNION HALL
Census Block Group	2
Census Block	2023
Census Tract	20102

Owner

40 Big Cove Dr is owned and occupied by an individual who bought it in August 2025.

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

Owner of Record	Individual Name on File
Mailing Address	40 BIG COVE DR, PENHOOK, VA 24137-3431
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
Aug 15, 2025	Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA
Apr 23, 2021	Bargain and Sale Deed, Transfer
Apr 21, 2021	Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL INS CO
Nov 17, 2017	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 15, 2025 · Amount on File
Deed Sale	Aug 15, 2025 · Amount on File
Prior Sale	Apr 23, 2021 · Amount on File
Deed Document Number	20255233
Deed Book / Page	1233 / 171
Prior Transfer Date	Nov 14, 2017
Prior Transfer Doc	00110001959
Record Updated	Sep 20, 2026

August 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN VA
Recording Date	Aug 15, 2025
Property Address	40 BIG COVE DR, PENHOOK, VA 24137-3431
Document Number	0012330171
Book / Page	1233 / 171
Map Reference	MB 1160 PG 2441
Instrument Date	Jul 31, 2025
Instrument	250005233
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	ANCHOR TITLE/FL LLC, ANCHOR TITLE SML LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$800.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 BIG COVE DR, PENHOOK, VA 24137-3431

Mortgage

Document Number	0250005234
Date	Aug 15, 2025
Instrument	250005234

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.37%
Type Change Date	Sep 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10.3%
Index	SOFR Average 30-Day
Max Rate	10.3%

April 2021: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	FRANKLIN VA
Recording Date	Apr 23, 2021
Property Address	40 BIG COVE DR, PENHOOK, VA 24137-3431
Document Number	0011611491
Book / Page	1161 / 1491
Map Reference	MB 1160 PG 2441
Instrument Date	Apr 20, 2021
Instrument	210003804
Transaction Type	Transfer
Record Updated	Jan 26, 2024

Transaction

Amount	Amount on Record
Tax	$185.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	34 CLOVE HOLLOW RD, HOPEWELL JUNCTION, NY 12533-5564

April 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN VA
Recording Date	Apr 21, 2021
Property Address	40 BIG COVE DR, PENHOOK, VA 24137-3431
Document Number	0011610998
Book / Page	1161 / 998
Instrument Date	Apr 15, 2021
Instrument	210003732
Transaction Type	Transfer
Record Updated	Jan 26, 2024
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL INS CO

Transaction

Amount	Amount on Record
Tax	$245.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	506 BUTLER ST, PILOT MOUNTAIN, NC 27041-9335

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRANKLIN VA
Recording Date	Nov 17, 2017
Property Address	BIG COVE DR, PENHOOK, VA 24137
Document Number	0011001959
Book / Page	001100 / 001959
Instrument Date	Nov 14, 2017
Instrument	7393
Transaction Type	Transfer
Record Updated	Feb 16, 2021
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23256 HORSE ISLAND RD LEWES DE 199583356, LEWES, DE 19958-3356

Tax Assessment & Valuation

The 2025 property tax bill for 40 Big Cove Dr was $4,804.

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	$4,804.00	$1,117,300 (-) Land $267,800 Building $849,500	$1,117,300 (-) Land $267,800 Building $849,500
2024	$4,804.00 (+20.76%)	$1,117,300 (+71.31%) Land $267,800 Building $849,500	$1,117,300 (+71.31%) Land $267,800 Building $849,500
2023	$3,978.00	$652,200 (+43.94%) Land $205,800 Building $446,400	$652,200 (+43.94%) Land $205,800 Building $446,400
2022		$453,100 Land $205,800 Building $247,300	$453,100 Land $205,800 Building $247,300

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 Big Cove 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	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 Big Cove Dr is low, with a 0.02% annual chance of 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	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	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 99 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

May also be available: SMLW Broadband.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Big Cove Dr

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