440 Anchor Dr, Moneta, VA 24121 Property Records

Franklin County property record for 440 Anchor Dr, Moneta, VA 24121

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,552 sqft · built 1984
Lot Size	0.653 acres (28,445 sqft)
Owner	2 Company Names on Record
Tax Bill	$3,199 (2025)
Deeds & Mortgages	Dec 2025 Transfer Jul 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`031 03-010 00`

Property Details

APN / Parcel Number

Primary APN	`031 03-010 00`
Alternative APN	`7678`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,552 sqft Living Area
Gross Area	2,344 sqft
1st Floor Area	1,412 sqft
Basement Area	1,392 sqft
Finished Basement	1,392 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1997
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	28,445 sqft (0.653 acres)
Terrain	Rolling
View / Lot	Waterfront
Driveway	Paver Driveway
Deck Area	24 sqft
Patio Area	192 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	7678
Street Address	440 ANCHOR DR
City	MONETA
State	VA
Zip	24121-2307
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	THE WATER FRONT LOT 9 SECTION 2
Legal Subdivision	THE WATER FRON
Legal Lot Number	9
Jurisdiction	FRANKLIN VA
Township / Civil Division	GILLS CREEK
Census Block Group	1
Census Block	1008
Census Tract	20104

Owner

Source: Franklin County records, as of August 6, 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	440 ANCHOR DR, MONETA, VA 24121-2307
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2025	Intrafamily Transfer, Transfer
Jul 5, 2023	Deed of Trust, Mortgage · Line of Credit RIDGE VIEW LPO
Jan 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST MORTGAGE SOLUTIONS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Nov 25, 2025
Transfer Doc	0012373151
Record Updated	Sep 20, 2026

December 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FRANKLIN VA
Recording Date	Dec 1, 2025
Property Address	440 ANCHOR DR, MONETA, VA 24121-2307
Document Number	0012373151
Book / Page	1237 / 3151
Map Reference	MB 7 PG 147-150
Instrument Date	Nov 25, 2025
Instrument	250007727
Transaction Type	Transfer
Record Updated	Jan 1, 2026

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	Revocable Living Trust
Address	440 ANCHOR DR, MONETA, VA 24121-2307

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	440 ANCHOR DR, MONETA, VA 24121-2307
Transaction Type	Mortgage
Record Updated	Aug 4, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	440 ANCHOR DR, MONETA, VA 24121-2307

Mortgage

Document Number	0012002594
Date	Jul 5, 2023
Book Page	1200/2594
Instrument	230003738

Lender

Name	RIDGE VIEW LPO
Type	Bank
Address	ROANOKE, VA 24011

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 30, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	440 ANCHOR DR, MONETA, VA 24121-2307
Transaction Type	Mortgage
Record Updated	Feb 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0011552714
Date	Jan 29, 2021
Book Page	1155/2714
Instrument	210000927

Lender

Name	FIRST MORTGAGE SOLUTIONS LLC
Type	Mortgage Company
Address	KANSAS CITY, MO 64114

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

Interest

Rate	2.37%

Tax Assessment & Valuation

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	$3,199.00 (+2.83%)	$744,046 (+45.86%) Land $270,000 Building $474,046	$744,046 (+45.86%) Land $270,000 Building $474,046
2023	$3,111.00	$510,100 (-) Land $240,000 Building $270,100	$510,100 (-) Land $240,000 Building $270,100
2022		$510,100 Land $240,000 Building $270,100	$510,100 Land $240,000 Building $270,100

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

Flood

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	6 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 95% of the US · lower than 97.5% of Virginia
Wildfire Likelihood	Under 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 80 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, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Anchor Dr

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