490 Lakestone Rd, Union Hall, VA 24176 Property Records

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

Property Summary

Property Type	Other Improved
Details	3 bd · 4.5 ba · 1,760 sqft · built 2020
Lot Size	2.23 acres (97,487 sqft)
Owner	2 Individual Names on Record
Last Sale	$725,000 (Aug 2024)
Tax Bill	$1,769 (2025)
Deeds & Mortgages	Nov 2022 Line of Credit Jun 2020 Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`051 19-024 00`

Property Details

APN / Parcel Number

Primary APN	`051 19-024 00`
Alternative APN	`45369`

Interior

Bedrooms	3 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,760 sqft Living Area
1st Floor Area	1,760 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	97,487 sqft (2.23 acres)
Terrain	Rolling
View / Lot	Waterfront
Garage Area	630 sqft
Driveway	Paver Driveway
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Storage Building	Storage Building
Boat Access	Boat Access
Boat House	576 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	45369
Street Address	490 LAKESTONE RD
City	UNION HALL
State	VA
Zip	24176-4226
Property Category	Other
Property Type	Other > Other Improved
Local Zoning Code	A1
Legal Description	KENNEDY SHORES LOT 24
Legal Subdivision	KENNEDY SHORES
Legal Lot Number	24
Jurisdiction	FRANKLIN VA
Township / Civil Division	UNION HALL
Census Block Group	3
Census Block	3001
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	2 Individual Names on Record
Mailing Address	701 GOODWIN AVE, SALEM, VA 24153-3247
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Nov 28, 2022	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Jun 10, 2020	Deed of Trust, Mortgage · Construction Mortgage TRUIST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 23, 2024 · Amount on Record
Deed Sale	Aug 23, 2024 · Amount on Record
Prior Sale	Mar 29, 2016 · Amount on Record
Deed Document Number	20245127
Deed Book / Page	1217 / 2387
Record Updated	Sep 20, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	490 LAKESTONE RD, UNION HALL, VA 24176-4226
Transaction Type	Mortgage
Record Updated	Jun 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	490 LAKESTONE RD, UNION HALL, VA 24176-4226

Mortgage

Document Number	0011922701
Date	Nov 28, 2022
Book Page	1192/2701
Instrument	220008614

Lender

Name	TRUIST BANK
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	490 LAKESTONE RD, UNION HALL, VA 24176-4226
Transaction Type	Mortgage
Record Updated	Nov 9, 2021
Title Company	ANCHOR TITLE SML LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0011402214
Date	Jun 10, 2020
Book Page	1140/2214
Instrument	200003863

Lender

Name	TRUIST BANK
Type	Bank
Address	WILSON, NC 27893

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Jul 1, 2051

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	$1,769.00 (-59.91%)	$411,500 (-43.13%) Land $362,400 Building $49,100	$411,500 (-43.13%) Land $362,400 Building $49,100
2023	$4,413.00	$723,600 (-) Land $327,400 Building $396,200	$723,600 (-) Land $327,400 Building $396,200
2022		$723,600 Land $327,400 Building $396,200	$723,600 Land $327,400 Building $396,200

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

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	31 units insured incl. 24 condo units

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 93% of the US · lower than 95% of Virginia
Wildfire Likelihood	Under 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	DILLARDS HILL private · serves 755 people · EPA ID VA5067415
Water Source	Groundwater
Last State Inspection	Apr 2023
Also Mapped Here	WESTERN VIRGINIA WATER AUTHORITY
Lead	Under 1 ppb (2023–2025) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Glo Fiber Cable	1,000 / 50
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: SMLW Broadband.

Cell Coverage

5G (outdoors only) and 4G LTE

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