490 Coves Rd, Union Hall, VA 24176 Property Records

Franklin County property record for 490 Coves Rd, Union Hall, VA 24176

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,807 sqft · built 2022
Lot Size	0.599 acres (26,092 sqft)
Owner	Company Name on Record
Last Sale	$1,750,000 (May 2025)
Tax Bill	$3,677 (2025)
Deeds & Mortgages	Jul 2022 Sale & Construction Loan Apr 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`052 10-006 00`

Property Details

APN / Parcel Number

Primary APN	`052 10-006 00`
Alternative APN	`42699`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,807 sqft Living Area
Gross Area	3,431 sqft
1st Floor Area	1,807 sqft
Basement Area	1,807 sqft
Finished Basement	1,441 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2024
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	26,092 sqft (0.599 acres)
Terrain	Steep
View / Lot	Waterfront
Porch	Slab
Deck Area	366 sqft
Patio Area	524 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	42699
Street Address	490 COVES RD
City	UNION HALL
State	VA
Zip	24176
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SM
Legal Description	COVES AT SML LOT 6
Legal Subdivision	COVES AT SML
Legal Lot Number	6
Jurisdiction	FRANKLIN VA
Township / Civil Division	UNION HALL
Census Block Group	1
Census Block	1009
Census Tract	20102

Owner

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

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

Owner of Record	Company Name on Record
Mailing Address	129 ROSEROOT CT, HOLLY SPRINGS, NC 27540-4482
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2022	Deed, Construction Loan · Construction Mortgage RIDGE VIEW LPO
Apr 7, 2017	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 23, 2025 · Amount on Record
Deed Sale	May 23, 2025 · Amount on Record
Prior Sale	Jul 14, 2022 · Amount on Record
Deed Document Number	20253243
Deed Book / Page	1229 / 256
Prior Transfer Date	Jul 7, 2022
Prior Transfer Doc	0011870769
Record Updated	Sep 20, 2026

July 2022: Deed, Construction Loan

Document Type	Deed
Jurisdiction	FRANKLIN VA
Recording Date	Jul 14, 2022
Property Address	490 COVES RD, UNION HALL, VA 24176-1105
Document Number	0011870769
Book / Page	1187 / 769
Map Reference	MB 1172 PG 1811
Instrument Date	Jul 7, 2022
Instrument	220005416
Transaction Type	Construction Loan
Record Updated	Jan 26, 2024

Transaction

Amount	Amount Recorded
Tax	$75.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	275 CORPORATE DR, ROCKY MOUNT, VA 24151-3854

Mortgage

Document Number	0220005417
Date	Jul 14, 2022
Instrument	220005417

Lender

Name	RIDGE VIEW LPO
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

April 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FRANKLIN VA
Recording Date	Apr 7, 2017
Property Address	6 COVES RD, UNION HALL, VA 24176
Document Number	0010910688
Book / Page	001091 / 000688
Instrument Date	Mar 30, 2017
Instrument	2126
Transaction Type	Transfer
Record Updated	Apr 26, 2017
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	6525 THE CORNERS PKWY #311 PEACHTREE CORNERS GA 300923351, 311, PEACHTREE CORNERS, GA 30092-3351

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	$3,677.00 (+65.26%)	$855,200 (+45.99%) Land $190,000 Building $665,200	$855,200 (+45.99%) Land $190,000 Building $665,200
2023	$2,225.00	$585,800 (+815.31%) Land $165,000 Building $420,800	$585,800 (+815.31%) Land $165,000 Building $420,800
2022		$64,000 Land $64,000	$64,000 Land $64,000

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

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	4 (1992–2020)
Most Recent Claim	Nov 2020 · rainfall accumulation

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 80% of the US · lower than 71% of Virginia
Wildfire Likelihood	0.02% 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	WESTERN VIRGINIA WATER AUTHORITY serves 182,700 people · EPA ID VA2770900
Water Source	Surface water
Last State Inspection	Aug 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jan 2020 Haloacetic acids resolved · Jul 2017
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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 38 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Glo Fiber Cable · Fiber in parts of the area	1,000 / 50
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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