495 Lakestone Rd, Union Hall, VA 24176 Property Records

Franklin County property record for 495 Lakestone Rd, Union Hall, VA 24176

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,907 sqft · built 2001
Lot Size	0.836 acres (36,416 sqft)
Owner	Individual Name on File
Tax Bill	$3,992 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`048 02-054 00`

Property Details

APN / Parcel Number

Primary APN	`048 02-054 00`
Alternative APN	`14687`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,907 sqft Living Area
Gross Area	3,180 sqft
1st Floor Area	1,591 sqft
Basement Area	1,615 sqft
Finished Basement	1,292 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2009
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	36,416 sqft (0.836 acres)
Terrain	Rolling
View / Lot	Waterfront
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	305 sqft
Deck Area	96 sqft
Patio Area	296 sqft
Balcony Area	4 sqft
Shed	1 Shed
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	14687
Street Address	495 LAKESTONE RD
City	UNION HALL
State	VA
Zip	24176-3742
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	HOLIDAY FARMS LOT 4
Legal Subdivision	HOLIDAY FARMS
Legal Lot Number	4
Jurisdiction	FRANKLIN VA
Township / Civil Division	UNION HALL
Census Block Group	3
Census Block	3001
Census Tract	20102

Owner

495 Lakestone Rd is owned and occupied by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	495 LAKESTONE RD, UNION HALL, VA 24176-3742
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

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	495 LAKESTONE RD, UNION HALL, VA 24176-3742
Transaction Type	Mortgage
Record Updated	Mar 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	495 LAKESTONE RD, UNION HALL, VA 24176-3742

Mortgage

Document Number	0012411741
Date	Feb 25, 2026
Book Page	1241/1741
Instrument	260001239

Lender

Name	TRUIST BANK
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 495 Lakestone Rd was $3,992.

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	$3,992.00	$928,600 Land $310,000 Building $618,600	$928,600 Land $310,000 Building $618,600
2023	$4,022.00	$659,400 (-) Land $305,000 Building $354,400	$659,400 (-) Land $305,000 Building $354,400
2022		$659,400 Land $305,000 Building $354,400	$659,400 Land $305,000 Building $354,400

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

Flood

FEMA maps place 495 Lakestone Rd 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	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

Wildfire risk around 495 Lakestone Rd is low, with less than 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 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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