42 Reserve Rd, Moneta, VA 24121 Property Records

Franklin County property record for 42 Reserve Rd, Moneta, VA 24121

Property Summary

Property Type	Single Family Home
Details	3 bd · 4.5 ba · 2,986 sqft · built 2018
Lot Size	0.793 acres (34,543 sqft)
Owner	Company Name on File
Last Sale	$310,000 (Apr 2010)
Tax Bill	$5,440 (2025)
Deeds & Mortgages	Apr 2021 Transfer Jan 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`047 15-011 00`

Property Details

APN / Parcel Number

Primary APN	`047 15-011 00`
Alternative APN	`43151`

Interior

Bedrooms	3 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	16 Rooms
Stories	1 Story
Building Area	2,986 sqft Living Area
Gross Area	5,258 sqft
1st Floor Area	2,386 sqft
Basement Area	2,386 sqft
Finished Basement	1,272 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2023
Exterior Material	Wood
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	34,543 sqft (0.793 acres)
Terrain	Rolling
View / Lot	Waterfront
Garage Area	788 sqft
Driveway	Concrete Driveway
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	761 sqft
Patio Area	668 sqft
Storage Building	Storage Building
Boat Access	Boat Access
Boat House	144 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	43151
Street Address	42 RESERVE RD
City	MONETA
State	VA
Zip	24121-2783
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	RESERVE LOT 11
Legal Subdivision	RESERVE
Legal Lot Number	11
Jurisdiction	FRANKLIN VA
Township / Civil Division	GILLS CREEK
Census Block Group	1
Census Block	1010
Census Tract	20103

Owner

42 Reserve Rd is owned by a company that acquired it in April 2021.

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

Owner of Record	Company Name on File
Mailing Address	PO BOX 42, MONETA, VA 24121-0042
Owner Type	Company

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
Apr 30, 2021	Transfer on Death Deed, Transfer
Jan 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF BOTETOURT
Dec 17, 2019	Deed of Trust, Mortgage STATE EMPS FCU
May 15, 2019	Deed of Trust, Mortgage BANK OF BOTETOURT
Mar 6, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF BOTETOURT

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 23, 2010 · Amount on File
Deed Sale	Apr 23, 2010 · Amount on File
Prior Sale	Jan 24, 2008
Deed Document Number	20102739
Deed Book / Page	978 / 1122
Last Transfer Date	Apr 22, 2021
Transfer Doc	0011613291
Record Updated	Sep 20, 2026

April 2021: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	FRANKLIN VA
Recording Date	Apr 30, 2021
Property Address	42 RESERVE RD, MONETA, VA 24121-2783
Document Number	0011613291
Book / Page	1161 / 3291
Instrument Date	Apr 22, 2021
Instrument	210004090
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	7301 RIVER RD, HANOVER, VA 23069-1815

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	42 RESERVE RD, MONETA, VA 24121-2783
Transaction Type	Mortgage
Record Updated	Feb 11, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0011552444
Date	Jan 28, 2021
Book Page	1155/2444
Instrument	210000895

Lender

Name	BANK OF BOTETOURT
Type	Bank
Address	TROUTVILLE, VA 24175

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	61 Months
Due	Feb 5, 2026

Interest

Rate	4.5%

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	42 RESERVE RD, MONETA, VA 24121-2783
Document Number	0011320415
Instrument Date	Dec 17, 2019
Transaction Type	Mortgage
Record Updated	Jan 21, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	42 RESERVE RD MONETA VA 24121, MONETA, VA 24121

Mortgage

Document Number	0011320415
Date	Dec 23, 2019
Book Page	001132/000415
Instrument	8261

Lender

Name	STATE EMPS FCU
Type	Credit Union

Agreement

Amount	Amount on Record
Term	180 Months
Due	Dec 22, 2034

Interest

Rate Type	Fixed Rate

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	42 RESERVE RD, MONETA, VA 24121-2783
Document Number	0011212494
Instrument Date	May 15, 2019
Transaction Type	Mortgage
Record Updated	Aug 6, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	42 RESERVE RD MONETA VA 24121, MONETA, VA 24121

Mortgage

Document Number	0011212494
Date	May 20, 2019
Book Page	001121/002494
Instrument	2855

Lender

Name	BANK OF BOTETOURT
Type	Bank

Agreement

Amount	Amount on Record
Term	180 Months
Due	May 19, 2034

Interest

Rate Type	Fixed Rate

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	42 RESERVE RD, MONETA, VA 24121-2783
Document Number	0011051203
Instrument Date	Mar 6, 2018
Transaction Type	Mortgage
Record Updated	Apr 18, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0011051203
Date	Mar 6, 2018
Book Page	001105/001203
Instrument	1379

Lender

Name	BANK OF BOTETOURT
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Mar 5, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 42 Reserve Rd was $5,440.

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	$5,440.00	$1,265,200 Land $237,000 Building $1,028,200	$1,265,200 Land $237,000 Building $1,028,200
2023	$5,131.00	$841,200 (-) Land $230,000 Building $611,200	$841,200 (-) Land $230,000 Building $611,200
2022		$841,200 Land $230,000 Building $611,200	$841,200 Land $230,000 Building $611,200

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

Flood

FEMA maps place 42 Reserve Rd 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	5 in force
Nearby Flood Claims	3 (2012–2020)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Nov 2020 · rainfall accumulation

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 42 Reserve Rd 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 95 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Glo Fiber Cable · Fiber in parts of the area	1,000 / 50
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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