Franklin County property record for 450 Coves Rd, Union Hall, VA 24176 · Last verified June 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,322 sqft · built 2015 |
| Lot Size | 1.11 acres (48,395 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,185,000 (Jun 2025) |
| Tax Bill | $2,699 (2025) |
| Deeds & Mortgages | Jun 2025 Sale & Mortgage Oct 2021 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 052 10-007 00 |
| Primary APN | 052 10-007 00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 13 Rooms |
| Stories | 1 Story |
| Building Area | 1,322 sqft Living Area |
| Gross Area | 2,866 sqft |
| 1st Floor Area | 1,322 sqft |
| Basement Area | 944 sqft |
| Finished Basement | 944 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2015 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Wood |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 48,395 sqft (1.11 acres) |
| Terrain | Steep |
| View / Lot | Waterfront |
| Driveway | Concrete Driveway |
| Porch | Slab |
|---|---|
| Porch Area | 416 sqft |
| Deck Area | 656 sqft |
| Storage Building | Storage Building |
| Boat Access | Boat Access |
| Boat House | 336 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | 42700 |
|---|---|
| Street Address | 450 COVES RD |
| City | UNION HALL |
| State | VA |
| Zip | 24176-1105 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COVES AT SML LOT 7 |
| Legal Subdivision | COVES AT SML |
| Legal Lot Number | 7 |
| Jurisdiction | FRANKLIN VA |
| Township / Civil Division | UNION HALL |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 20102 |
Source: Franklin County records · APN 052 10-007 00
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 1050 CROWELL GAP RD, BOONES MILL, VA 24065-4796 |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Jun 13, 2025 | Deed, Transfer · Closed-End Mortgage RIDGE VIEW LPO |
| Oct 18, 2021 | Deed, Transfer · Stand-Alone First Mortgage COVES LAND HOLDINGS LLC |
| Jun 09, 2021 | Deed, Transfer · Conventional Mortgage THE FEDERAL SAVINGS BANK |
| Sep 18, 2020 | Deed, Transfer · Line of Credit AMERICAN NATIONAL BANK & TRUST CO |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 13, 2025 · Amount on Record |
| Deed Sale | Jun 13, 2025 · Amount on Record |
| Prior Sale | Oct 18, 2021 · Amount on Record |
| Deed Document Number | 20253758 |
| Deed Book / Page | 1230 / 749 |
| Prior Transfer Date | Apr 01, 2015 |
| Prior Transfer Doc | 0010602741 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FRANKLIN VA |
| Recording Date | Jun 13, 2025 |
| Property Address | 450 COVES RD, UNION HALL, VA 24176-1105 |
| Document Number | 0012300749 |
| Book / Page | 1230 / 749 |
| Map Reference | MB 1172 PG 1811 |
| Instrument Date | Jun 11, 2025 |
| Instrument | 250003758 |
| Transaction Type | Transfer |
| Record Updated | Nov 17, 2025 |
| Title Company | FIDELITY NATIONAL TTL INS CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $592.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1050 CROWELL GAP RD, BOONES MILL, VA 24065-4796 |
| Document Number | 0250003759 |
|---|---|
| Date | Jun 13, 2025 |
| Instrument | 250003759 |
| Name | RIDGE VIEW LPO |
|---|---|
| Type | Bank |
| Type | Closed-End Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 13, 2055 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FRANKLIN VA |
| Recording Date | Oct 18, 2021 |
| Property Address | 450 COVES RD, UNION HALL, VA 24176-1105 |
| Document Number | 0011721821 |
| Book / Page | 1172 / 1821 |
| Map Reference | MB 1172 PG 1811&1812 |
| Instrument Date | Oct 04, 2021 |
| Instrument | 210009825 |
| Transaction Type | Transfer |
| Record Updated | Nov 09, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $100.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 129 ROSEROOT CT, HOLLY SPRINGS, NC 27540-4482 |
| Document Number | 210009826 |
|---|---|
| Date | Oct 18, 2021 |
| Instrument | 210009826 |
| Name | COVES LAND HOLDINGS LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 9 Months |
| Due | Jul 06, 2022 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FRANKLIN VA |
| Recording Date | Jun 09, 2021 |
| Property Address | 450 COVES RD, UNION HALL, VA 24176-1105 |
| Document Number | 0011641175 |
| Book / Page | 1164 / 1175 |
| Map Reference | MB 899 PG 1747 |
| Instrument Date | Jun 01, 2021 |
| Instrument | 210005391 |
| Transaction Type | Transfer |
| Record Updated | Nov 09, 2021 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL INS CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 129 ROSEROOT CT, HOLLY SPRINGS, NC 27540-4482 |
| Document Number | 210005392 |
|---|---|
| Date | Jun 09, 2021 |
| Instrument | 210005392 |
| Name | THE FEDERAL SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FRANKLIN VA |
| Recording Date | Sep 18, 2020 |
| Property Address | 450 COVES RD, UNION HALL, VA 24176-1105 |
| Document Number | 0011470804 |
| Book / Page | 1147 / 804 |
| Map Reference | MB 899 PG 1747 |
| Instrument Date | Sep 14, 2020 |
| Instrument | 200007137 |
| Transaction Type | Transfer |
| Record Updated | Nov 09, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $440.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 275 CORPORATE DR, ROCKY MOUNT, VA 24151-3854 |
| Document Number | 200007138 |
|---|---|
| Date | Sep 18, 2020 |
| Instrument | 200007138 |
| Name | AMERICAN NATIONAL BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Franklin County records · Assessment roll updated June 19, 2026 · Last verified June 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Franklin County |
| Unified School District | Franklin County Public Schools (PK - 12) |
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 | $2,699.00 (-2.49%) | $627,700 (+38.29%) Land $196,100 Building $431,600 | $627,700 (+38.29%) Land $196,100 Building $431,600 |
| 2023 | $2,768.00 | $453,900 (-) Land $186,100 Building $267,800 | $453,900 (-) Land $186,100 Building $267,800 |
| 2022 | $453,900 Land $186,100 Building $267,800 | $453,900 Land $186,100 Building $267,800 |
Source: FEMA National Flood Hazard Layer, Franklin County (51067C), updated January 6, 2010 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 510670201021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 4 (1992–2020) |
| Most Recent Claim | Nov 2020, rainfall accumulation |
| Wildfire Risk | Low above 20% of the US · above 29% of Virginia |
|---|---|
| Wildfire Likelihood | About 1 in 5,556 per year |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 38 locations within about half a mile of this property
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|---|---|---|
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