Franklin County property record for 40 Calypso Rd, Moneta, VA 24121
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 2,260 sqft · built 2004 |
| Lot Size | 1.14 acres (49,963 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $5,788 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Mar 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 032 07-028 00 |
| Primary APN | 032 07-028 00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Stories | 1 Story |
| Building Area | 2,260 sqft Living Area |
| Gross Area | 3,777 sqft |
| 1st Floor Area | 2,092 sqft |
| Basement Area | 2,092 sqft |
| Finished Basement | 1,046 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2016 |
| Exterior Material | Stone |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 49,963 sqft (1.14 acres) |
| Terrain | Rolling |
| View / Lot | Waterfront |
| Garage Area | 637 sqft |
| Driveway | Paver Driveway |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 692 sqft |
| Deck Area | 300 sqft |
| Patio Area | 180 sqft |
| Storage Building | 60 sqft |
| Boat Access | Boat Access |
| Boat House | 532 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | 36282 |
|---|---|
| Street Address | 40 CALYPSO RD |
| City | MONETA |
| State | VA |
| Zip | 24121-5391 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A1 |
| Legal Description | MONTEGO BAY LOT 28 |
| Legal Subdivision | MONTEGO BAY |
| Legal Lot Number | 28 |
| Jurisdiction | FRANKLIN VA |
| Township / Civil Division | GILLS CREEK |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 20104 |
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 | 40 CALYPSO RD, MONETA, VA 24121-5391 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 26, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FIRST HORIZON BANK |
| Mar 28, 2019 | Deed of Trust, Mortgage · Line of Credit SUNTRUST BK |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN VA |
| Property Address | 40 CALYPSO RD, MONETA, VA 24121-5391 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0011592489 |
|---|---|
| Date | Mar 26, 2021 |
| Book Page | 1159/2489 |
| Instrument | 210002888 |
| Name | FIRST HORIZON BANK |
|---|---|
| Type | Bank |
| Address | MEMPHIS, TN 38103 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Apr 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN VA |
| Property Address | 40 CALYPSO RD, MONETA, VA 24121-5391 |
| Document Number | 0011201581 |
| Instrument Date | Mar 28, 2019 |
| Transaction Type | Mortgage |
| Record Updated | May 14, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 40 CALYPSO RD MONETA VA 241215391, MONETA, VA 24121-5391 |
| Document Number | 0011201581 |
|---|---|
| Date | Apr 12, 2019 |
| Book Page | 001120/001581 |
| Instrument | 2087 |
| Name | SUNTRUST BK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 11, 2049 |
| Rate Type | Adjustable Rate |
|---|
Source: Franklin County assessment roll, as of June 19, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Franklin County |
| Unified School District | Franklin County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,788.00 (+24.02%) | $1,346,200 (+75.93%) Land $320,000 Building $1,026,200 | $1,346,200 (+75.93%) Land $320,000 Building $1,026,200 |
| 2023 | $4,667.00 | $765,200 (-) Land $315,000 Building $450,200 | $765,200 (-) Land $315,000 Building $450,200 |
| 2022 | $765,200 Land $315,000 Building $450,200 | $765,200 Land $315,000 Building $450,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Flood Insurance Cost | Premium on Record 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.
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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 61 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 |
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