45 Findlay Cir, Penhook, VA 24137 Property Records

Franklin County property record for 45 Findlay Cir, Penhook, VA 24137

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 2,199 sqft · built 1988
Lot Size	0.529 acres (23,043 sqft)
Owner	Individual Name on File
Last Sale	$1,100,000 (Mar 2023)
Tax Bill	$4,748 (2025)
Deeds & Mortgages	Mar 2023 Sale Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`051 06-121 00`

Property Details

APN / Parcel Number

Primary APN	`051 06-121 00`
Alternative APN	`16076`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,199 sqft Living Area
Gross Area	4,407 sqft
1st Floor Area	1,941 sqft
Basement Area	1,941 sqft
Finished Basement	1,707 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2001
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	23,043 sqft (0.529 acres)
Terrain	Rolling
View / Lot	Waterfront
Garage Area	600 sqft
Driveway	Paver Driveway
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	444 sqft
Deck Area	221 sqft
Patio Area	299 sqft
Balcony Area	250 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	16076
Street Address	45 FINDLAY CIR
City	PENHOOK
State	VA
Zip	24137-5234
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	WATERS EDGE LOT 206 SECTION 3
Legal Subdivision	WATERS EDG
Legal Lot Number	206
Jurisdiction	FRANKLIN VA
Township / Civil Division	UNION HALL
Census Block Group	2
Census Block	2007
Census Tract	20102

Owner

45 Findlay Cir is owned by an individual who bought it in March 2023.

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

Owner of Record	Individual Name on File
Mailing Address	2440 EARLYSTOWN RD, 200, CENTRE HALL, PA 16828-9146
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

Date	Document
Mar 24, 2023	Deed, Transfer
Jan 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF THE JAMES
Apr 23, 2018	Deed of Trust, Mortgage · Conventional Mortgage SUNTRUST BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 24, 2023 · Amount on File
Deed Sale	Mar 24, 2023 · Amount on File
Deed Document Number	20231498
Deed Book / Page	1196 / 2330
Record Updated	Sep 20, 2026

March 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN VA
Recording Date	Mar 24, 2023
Property Address	45 FINDLAY CIR, PENHOOK, VA 24137-5234
Document Number	0011962330
Book / Page	1196 / 2330
Map Reference	MB 584 PG 1895
Instrument Date	Mar 14, 2023
Instrument	230001498
Transaction Type	Transfer
Record Updated	Jun 28, 2023

Transaction

Amount	Amount on Record
Tax	$550.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2440 EARLYSTOWN RD STE 200, 200, CENTRE HALL, PA 16828-9146

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	45 FINDLAY CIR, PENHOOK, VA 24137-5234
Document Number	0011552965
Instrument Date	Jan 25, 2021
Transaction Type	Mortgage
Record Updated	Feb 16, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 FINDLAY CIR PENHOOK VA 241375234, PENHOOK, VA 24137-5234

Mortgage

Document Number	0011552965
Date	Jan 29, 2021
Book Page	001155/002965
Instrument	952

Lender

Name	BANK OF THE JAMES
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jan 28, 2036

Interest

Rate Type	Fixed Rate

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	45 FINDLAY CIR, PENHOOK, VA 24137-5234
Document Number	0011080254
Instrument Date	Apr 23, 2018
Transaction Type	Mortgage
Record Updated	Jun 12, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0011080254
Date	May 8, 2018
Book Page	001108/000254
Instrument	2887

Lender

Name	SUNTRUST BK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 7, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 45 Findlay Cir was $4,748.

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	$4,748.00	$1,104,300 Land $340,000 Building $764,300	$1,104,300 Land $340,000 Building $764,300
2023	$4,068.00	$666,900 (-) Land $255,000 Building $411,900	$666,900 (-) Land $255,000 Building $411,900
2022		$666,900 Land $255,000 Building $411,900	$666,900 Land $255,000 Building $411,900

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

Flood

FEMA maps place 45 Findlay Cir 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 45 Findlay Cir 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 69 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

4G LTE only, no 5G reported

Nearby Properties on Findlay Cir

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