435 Cross Harbor Dr, Penhook, VA 24137 Property Records

Franklin County property record for 435 Cross Harbor Dr, Penhook, VA 24137

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 1,744 sqft · built 1997
Lot Size	0.53 acres (23,087 sqft)
Owner	2 Individual Names on File
Last Sale	$1,495,000 (Oct 2024)
Tax Bill	$4,766 (2025)
Deeds & Mortgages	Sep 2021 Transfer Sep 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`051 07-056 00`

Property Details

APN / Parcel Number

Primary APN	`051 07-056 00`
Alternative APN	`16157`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,744 sqft Living Area
Gross Area	3,132 sqft
1st Floor Area	1,744 sqft
Basement Area	1,744 sqft
Finished Basement	1,452 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2006
Exterior Material	EIFS / Synthetic Stucco
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	23,087 sqft (0.53 acres)
Terrain	Rolling
View / Lot	Waterfront
Garage Area	480 sqft
Driveway	Paver Driveway
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	408 sqft
Deck Area	500 sqft
Boat Access	Boat Access
Boat House	468 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Electric
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	16157
Street Address	435 CROSS HARBOR DR
City	PENHOOK
State	VA
Zip	24137
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	THE WATER'S EDGE LOT 151 SECTION 2
Legal Subdivision	THE WATER'S EDG
Legal Lot Number	151
Jurisdiction	FRANKLIN VA
Township / Civil Division	UNION HALL
Census Block Group	2
Census Block	2010
Census Tract	20102

Owner

435 Cross Harbor Dr is owned by two individuals who bought it in October 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	4158 WIRTH LN, WARRENTON, VA 20187-3985
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Sep 2, 2021	Gift Deed, Transfer
Sep 2, 2021	Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 25, 2024 · Amount on File
Deed Sale	Oct 25, 2024 · Amount on File
Prior Sale	Sep 2, 2021 · Amount on File
Deed Document Number	20246478
Deed Book / Page	1220 / 1292
Prior Transfer Date	Sep 1, 2021
Prior Transfer Doc	0011691578
Record Updated	Sep 20, 2026

September 2021: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	FRANKLIN VA
Recording Date	Sep 2, 2021
Property Address	435 CROSS HARBOR DR, PENHOOK, VA 24137
Document Number	0011691578
Book / Page	1169 / 1578
Map Reference	MB 389 PG 1415
Instrument Date	Sep 1, 2021
Instrument	210008242
Transaction Type	Transfer
Record Updated	Nov 9, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1216 RISSINS MILL ROAD, CARY, NC 27519-8116
Investor	Possibly a Property Investor

September 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN VA
Recording Date	Sep 2, 2021
Property Address	435 CROSS HARBOR DR, PENHOOK, VA 24137
Document Number	0011691496
Book / Page	1169 / 1496
Map Reference	MB 389 PG 1415
Instrument Date	Aug 24, 2021
Instrument	210008226
Transaction Type	Transfer
Record Updated	Nov 9, 2021
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$980.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1216 RIGGINS MILL RD, CARY, NC 27519-8116
Investor	Possibly a Property Investor

Mortgage

Document Number	210008227
Date	Sep 2, 2021
Instrument	210008227

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 435 Cross Harbor Dr was $4,766.

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	$4,766.00	$1,108,500 Land $262,000 Building $846,500	$1,108,500 Land $262,000 Building $846,500
2023	$3,608.00	$591,500 (-) Land $207,500 Building $384,000	$591,500 (-) Land $207,500 Building $384,000
2022		$591,500 Land $207,500 Building $384,000	$591,500 Land $207,500 Building $384,000

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 435 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 435 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

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