415 Cross Harbor Dr, Penhook, VA 24137 Property Records

Franklin County property record for 415 Cross Harbor Dr, Penhook, VA 24137

Property Summary

Property Type	Single Family Home
Details	6 bd · 6 ba · 2,483 sqft · built 2002
Lot Size	0.59 acres (25,700 sqft)
Owner	Individual Name on File
Last Sale	$760,900 (Feb 2019)
Tax Bill	$6,271 (2025)
Deeds & Mortgages	Feb 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`051 07-057 00`

Property Details

APN / Parcel Number

Primary APN	`051 07-057 00`
Alternative APN	`16158`

Interior

Bedrooms	6 Beds
Full Baths	6 Baths
Half Baths	1 Half Bath
Total Rooms	21 Rooms
Stories	1 Story
Building Area	2,483 sqft Living Area
Gross Area	4,104 sqft
1st Floor Area	2,483 sqft
Basement Area	2,483 sqft
Finished Basement	2,483 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2010
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	25,700 sqft (0.59 acres)
Terrain	Rolling
View / Lot	Waterfront
Garage Area	625 sqft
Driveway	Paver Driveway
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool House	102 sqft
Porch	Patio
Porch Area	996 sqft
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	16158
Street Address	415 CROSS HARBOR DR
City	PENHOOK
State	VA
Zip	24137-5043
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	THE WATER'S EDGE LOT 152 SECTION 2
Legal Subdivision	THE WATER'S EDG
Legal Lot Number	152
Jurisdiction	FRANKLIN VA
Township / Civil Division	UNION HALL
Census Block Group	2
Census Block	2010
Census Tract	20102

Owner

415 Cross Harbor Dr is owned by an individual who bought it in February 2019.

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

Owner of Record	Individual Name on File
Mailing Address	404 MANION ALY, KING OF PRUSSIA, PA 19406-2483
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	Feb 21, 2019 · Amount on File
Deed Sale	Feb 21, 2019 · Amount on File
Deed Document Number	2019969
Deed Book / Page	1118 / 1997
Prior Transfer Date	Apr 26, 2006
Prior Transfer Doc	00088501045
Record Updated	Sep 20, 2026

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN VA
Recording Date	Feb 21, 2019
Property Address	415 CROSS HARBOR DR, PENHOOK, VA 24137-5043
Document Number	0011181997
Book / Page	001118 / 001997
Instrument Date	Feb 14, 2019
Instrument	969
Transaction Type	Transfer
Record Updated	May 8, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$761.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 CROSS HARBOR DR PENHOOK VA 241375043, PENHOOK, VA 24137-5043

Mortgage

Document Number	11182000
Date	Feb 21, 2019
Book Page	001118/002000
Instrument	970

Lender

Name	WELLS FARGO BK
Type	Bank

Agreement

Amount	Amount on Record
Term	360 Months
Due	Feb 20, 2049

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 415 Cross Harbor Dr was $6,271.

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	$6,271.00	$1,458,500 Land $262,000 Building $1,196,500	$1,458,500 Land $262,000 Building $1,196,500
2023	$4,590.00	$758,500 (+0.8%) Land $207,500 Building $551,000	$758,500 (+0.8%) Land $207,500 Building $551,000
2022		$752,500 Land $207,500 Building $545,000	$752,500 Land $207,500 Building $545,000

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

Flood

FEMA maps place 415 Cross Harbor 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
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 415 Cross Harbor Dr is low, with 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 80% of the US · lower than 71% of Virginia
Wildfire Likelihood	0.01% 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	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 53 locations within half a mile, as of December 31, 2025

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

May also be available: SMLW Broadband.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Cross Harbor Dr

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