Franklin County property record for 40 Sandpiper Cir, Penhook, VA 24137
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 2,731 sqft · built 1986 |
| Lot Size | 0.473 acres (20,604 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $1,980,000 (Aug 2025) |
| Tax Bill | $7,559 (2025) |
| Deeds & Mortgages | Sep 2025 Mortgage Sep 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 051 06-069 00 |
| Primary APN | 051 06-069 00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 2,731 sqft Living Area |
| Gross Area | 5,839 sqft |
| 1st Floor Area | 2,217 sqft |
| Basement Area | 1,039 sqft |
| Finished Basement | 874 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 2009 |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Wood Shingle |
| Lot Area | 20,604 sqft (0.473 acres) |
| Terrain | Rolling |
| View / Lot | Waterfront |
| Garage Area | 605 sqft |
| Driveway | Paver Driveway |
| Parking Spaces | 2 Parking Spaces |
| Porch | Patio |
|---|---|
| Porch Area | 1,032 sqft |
| Deck Area | 556 sqft |
| Patio Area | 556 sqft |
| Storage Building | Storage Building |
| Boat Access | Boat Access |
| Boat House | 264 sqft |
| Boat Lift | Boat Lift |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | 16027 |
|---|---|
| Street Address | 40 SANDPIPER CIR |
| City | PENHOOK |
| State | VA |
| Zip | 24137-5027 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RPD |
| Legal Description | THE WATERS EDGE LOT 69 SECTION 1 |
| Legal Subdivision | WATERS EDG |
| Legal Lot Number | 69 |
| Jurisdiction | FRANKLIN VA |
| Township / Civil Division | UNION HALL |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 20102 |
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 | 2 Company Names on Record |
|---|---|
| Mailing Address | 114 HIBBEN ST, MOUNT PLEASANT, SC 29464-4309 |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
| Date | Document |
|---|---|
| Sep 12, 2025 | Deed of Trust, Mortgage · Conventional Mortgage RAYMOND JAMES BANK NA |
| Sep 27, 2019 | Warranty Deed, Transfer WELLS FARGO BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 11, 2025 · Amount on Record |
| Deed Sale | Aug 11, 2025 · Amount on Record |
| Prior Sale | Sep 27, 2019 · Amount on Record |
| Deed Document Number | 20255096 |
| Deed Book / Page | 1232 / 2557 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN VA |
| Property Address | 40 SANDPIPER CIR, PENHOOK, VA 24137-5027 |
| Transaction Type | Mortgage |
| Record Updated | Oct 14, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0012341691 |
|---|---|
| Date | Sep 12, 2025 |
| Book Page | 1234/1691 |
| Instrument | 250006011 |
| Name | RAYMOND JAMES BANK NA |
|---|---|
| Type | Bank |
| Address | SAINT PETERSBURG, FL 33716 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.37% |
| Type Change Date | Oct 1, 2035 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3.37% |
| Max Rate At Change | 7.37% |
| Index | 1-Year T-Bill |
| Max Rate | 10.3% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FRANKLIN VA |
| Recording Date | Sep 27, 2019 |
| Property Address | 40 SANDPIPER CIR, PENHOOK, VA 24137-5027 |
| Document Number | 0011273305 |
| Book / Page | 001127 / 003305 |
| Instrument Date | Sep 16, 2019 |
| Instrument | 6106 |
| Transaction Type | Transfer |
| Record Updated | May 8, 2020 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $900.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 21454 GREY SLATE CT ASHBURN VA 201475352, ASHBURN, VA 20147-5352 |
| Document Number | 11273307 |
|---|---|
| Date | Sep 27, 2019 |
| Book Page | 001127/003307 |
| Instrument | 6107 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Sep 26, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.25% |
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 | $7,559.00 (+1,926.54%) | $1,758,000 (+94.75%) Land $406,000 Building $1,352,000 | $1,758,000 (+94.75%) Land $406,000 Building $1,352,000 |
| 2023 | $373.00 | $902,700 (-) Land $389,000 Building $513,700 | $902,700 (-) Land $389,000 Building $513,700 |
| 2022 | $902,700 Land $389,000 Building $513,700 | $902,700 Land $389,000 Building $513,700 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 51 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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