446 Bernard Rd, Rocky Mount, VA 24151 Property Records

Franklin County property record for 446 Bernard Rd, Rocky Mount, VA 24151 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,412 sqft · built 2009
Lot Size	0.458 acres (19,950 sqft)
Owner	Individual Name on File
Last Sale	$380,000 (Jun 2025)
Tax Bill	$1,363 (2025)
Deeds & Mortgages	Jun 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`202 01-078 01`

Property Details

APN / Parcel Number

Primary APN	`202 01-078 01`
Alternative APN	`43313`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,412 sqft Living Area
Gross Area	2,096 sqft
1st Floor Area	1,412 sqft
Basement Area	1,412 sqft
Unfinished Basement	1,412 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2018
Exterior Material	Brick
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	19,950 sqft (0.458 acres)
Terrain	Rolling
Garage Area	330 sqft
Driveway	Concrete Driveway
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	126 sqft
Deck Area	192 sqft
Patio Area	36 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	43313
Street Address	446 BERNARD RD
City	ROCKY MOUNT
State	VA
Zip	24151-2246
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FRANKLIN HEIGHTS LOT 50
Legal Subdivision	FRANKLIN HEIGHTS
Legal Lot Number	50
Jurisdiction	FRANKLIN VA
Township / Civil Division	ROCKY MOUNT
Census Block Group	2
Census Block	2011
Census Tract	20400

Owner

Source: Franklin County records · APN 202 01-078 01

Assessment roll updated June 19, 2026 · Last verified June 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	446 BERNARD RD, ROCKY MOUNT, VA 24151-2246
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 10, 2025 · Amount on Record
Deed Sale	Jun 10, 2025 · Amount on Record
Deed Document Number	20253657
Deed Book / Page	1230 / 74
Record Updated	Sep 20, 2026

June 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN VA
Recording Date	Jun 10, 2025
Property Address	446 BERNARD RD, ROCKY MOUNT, VA 24151-2246
Document Number	0012300074
Book / Page	1230 / 74
Map Reference	MB 916 PG 1884
Instrument Date	Jun 05, 2025
Instrument	250003657
Transaction Type	Transfer
Record Updated	Nov 17, 2025
Title Company	ACCOMMODATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$190.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	446 BERNARD RD, ROCKY MOUNT, VA 24151-2246

Mortgage

Document Number	0250003658
Date	Jun 10, 2025
Instrument	250003658

Lender

Name	METRO CITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Type Change Date	Jul 01, 2028
Change Frequency	Annually
Min Rate At Change	6%
Max Rate At Change	8.25%
Index	1-Year T-Bill
Margin	6
Max Rate	12.2%

Tax Assessment & Valuation

Source: Franklin County records · Assessment roll updated June 19, 2026 · Last verified June 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Franklin County
Municipality	Rocky Mount Town
Unified School District	Franklin County Public Schools (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,363.00 (+17.8%)	$317,000 (+67.02%) Land $38,000 Building $279,000	$317,000 (+67.02%) Land $38,000 Building $279,000
2023	$1,157.00	$189,800 (-) Land $35,000 Building $154,800	$189,800 (-) Land $35,000 Building $154,800
2022		$189,800 Land $35,000 Building $154,800	$189,800 Land $35,000 Building $154,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Franklin County (51067C), updated January 6, 2010 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Low above 20% of the US · above 29% of Virginia
Wildfire Likelihood	About 1 in 5,882 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 71 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Shenandoah Telecommunications Company	Cable	1,000 / 50
Verizon	Fixed Wireless	300 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.