497 Cedar Rdg Rd, Union Hall, VA 24176 Property Records

Franklin County property record for 497 Cedar Rdg Rd, Union Hall, VA 24176

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,200 sqft · built 1988
Lot Size	0.7 acres (30,492 sqft)
Owner	Individual Name on File
Last Sale	$700,000 (Aug 2021)
Tax Bill	$3,023 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`052 04-005 00`

Property Details

APN / Parcel Number

Primary APN	`052 04-005 00`
Alternative APN	`17006`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,200 sqft Living Area
Gross Area	2,072 sqft
1st Floor Area	1,200 sqft
Basement Area	1,200 sqft
Finished Basement	900 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2001
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	30,492 sqft (0.7 acres)
Terrain	Rolling
View / Lot	Waterfront
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Deck Area	624 sqft
Shed	1 Shed
Boat Access	Boat Access
Boat House	288 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	17006
Street Address	497 CEDAR RIDGE RD
City	UNION HALL
State	VA
Zip	24176-3838
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	CEDAR RIDGE LOT 5
Legal Subdivision	CEDAR RIDG
Legal Lot Number	5
Jurisdiction	FRANKLIN VA
Township / Civil Division	UNION HALL
Census Block Group	1
Census Block	1009
Census Tract	20102

Owner

497 Cedar Rdg Rd is owned and occupied by an individual who bought it in August 2021.

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

Owner of Record	Individual Name on File
Mailing Address	497 CEDAR RIDGE RD, UNION HALL, VA 24176-3838
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
Last Sale	Aug 27, 2021 · Amount on File
Deed Sale	Aug 27, 2021 · Amount on File
Prior Sale	Jul 29, 2013 · Amount on File
Deed Document Number	20218033
Deed Book / Page	1169 / 477
Record Updated	Sep 20, 2026

August 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN VA
Recording Date	Aug 27, 2021
Property Address	497 CEDAR RIDGE RD, UNION HALL, VA 24176-3838
Document Number	0011690477
Book / Page	1169 / 477
Map Reference	MB 418 PG 470-473
Instrument Date	Aug 26, 2021
Instrument	210008033
Transaction Type	Transfer
Record Updated	Sep 13, 2021
Title Company	ACCOMMODATION

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$700.00
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	1109 VILLAGE GATE DR, MOUNT AIRY, MD 21771-5777

Mortgage

Document Number	210008034
Date	Aug 27, 2021
Instrument	210008034

Lender

Name	TOWNEBANK MORTGAGE
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 497 Cedar Rdg Rd was $3,023.

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	$3,023.00	$703,100 Land $210,000 Building $493,100	$703,100 Land $210,000 Building $493,100
2023	$2,779.00	$455,700 (-) Land $195,000 Building $260,700	$455,700 (-) Land $195,000 Building $260,700
2022		$455,700 Land $195,000 Building $260,700	$455,700 Land $195,000 Building $260,700

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

Flood

FEMA maps place 497 Cedar Rdg 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	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

Wildfire risk around 497 Cedar Rdg Rd 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	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 43 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

Cell Coverage

5G (outdoors only) and 4G LTE

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