480 Firstwatch Dr, Moneta, VA 24121 Property Records

Franklin County property record for 480 Firstwatch Dr, Moneta, VA 24121

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,082 sqft · built 2017
Lot Size	0.398 acres (17,337 sqft)
Owner	Individual Name on File
Last Sale	$364,000 (Aug 2021)
Tax Bill	$1,673 (2025)
Deeds & Mortgages	Feb 2026 Second Mortgage Aug 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`015 10-004 00`

Property Details

APN / Parcel Number

Primary APN	`015 10-004 00`
Alternative APN	`42342`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	11 Rooms
Stories	1 Story
Building Area	2,082 sqft Living Area
Gross Area	2,932 sqft
1st Floor Area	2,082 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2021
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	17,337 sqft (0.398 acres)
Terrain	Rolling
Garage Area	484 sqft
Driveway	Paver Driveway
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	366 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	42342
Street Address	480 FIRSTWATCH DR
City	MONETA
State	VA
Zip	24121-4000
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SM
Legal Description	LAKEWATCH PLANTATION CARR. HOMES LT 4 PH1
Legal Subdivision	LAKEWATCH PLANTATION
Legal Phase	1
Legal Lot Number	4
Jurisdiction	FRANKLIN VA
Township / Civil Division	GILLS CREEK
Census Block Group	1
Census Block	1018
Census Tract	20302

Owner

480 Firstwatch Dr is owned and occupied by an individual who bought it in August 2021.

Source: Franklin County records, as of September 15, 2026

Owner of Record	Individual Name on File
Mailing Address	480 FIRSTWATCH DR, MONETA, VA 24121-4000
Occupancy	Owner Occupied
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
Feb 17, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Aug 23, 2021	Deed, Transfer · Conventional Mortgage THE FIRST BANK & TRUST CO
Jan 5, 2018	Deed of Trust, Mortgage · Conventional with PMI BANK OF THE JAMES

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 23, 2021 · Amount on File
Deed Sale	Aug 23, 2021 · Amount on File
Prior Sale	Jul 6, 2017 · Amount on File
Deed Document Number	20217860
Deed Book / Page	1168 / 2524
Prior Transfer Date	Oct 15, 2015
Prior Transfer Doc	01069600322
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	480 FIRSTWATCH DR, MONETA, VA 24121-4000
Transaction Type	Mortgage
Record Updated	Mar 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0012410331
Date	Feb 17, 2026
Book Page	1241/331
Instrument	260001015

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2056

August 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN VA
Recording Date	Aug 23, 2021
Property Address	480 FIRSTWATCH DR, MONETA, VA 24121-4000
Document Number	0011682524
Book / Page	1168 / 2524
Map Reference	MB 892 PG 2473
Instrument Date	Jul 28, 2021
Instrument	210007860
Transaction Type	Transfer
Record Updated	Mar 16, 2023
Title Company	HOMESTEAD SETTLEMENT SERVICES, HOMESTEAD SETMNT SVCS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	480 FIRSTWATCH DR, MONETA, VA 24121-4000

Mortgage

Document Number	0210007861
Date	Aug 23, 2021
Instrument	210007861

Lender

Name	THE FIRST BANK & TRUST CO
Type	Bank

Agreement

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

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	480 FIRSTWATCH DR, MONETA, VA 24121-4000
Document Number	0011030428
Book / Page	001103 / 000428
Instrument Date	Jan 5, 2018
Transaction Type	Mortgage
Record Updated	Feb 21, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship

Mortgage

Document Number	0011030428
Date	Jan 8, 2018
Book Page	001103/000428
Instrument	100

Lender

Name	BANK OF THE JAMES
Type	Bank

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jan 7, 2048

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 480 Firstwatch Dr was $1,673.

Source: Franklin County assessment roll, as of September 15, 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	$1,673.00	$389,200 Land $38,000 Building $351,200	$389,200 Land $38,000 Building $351,200
2023	$1,797.00	$294,700 (-) Land $35,000 Building $259,700	$294,700 (-) Land $35,000 Building $259,700
2022		$294,700 Land $35,000 Building $259,700	$294,700 Land $35,000 Building $259,700

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

Flood

FEMA maps place 480 Firstwatch Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective January 6, 2010

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

Wildfire risk around 480 Firstwatch Dr is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 67% of the US · above 54% of Virginia
Wildfire Likelihood	0.03% 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 20 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Glo Fiber Fiber	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Firstwatch Dr

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