Franklin County property record for 51 Cottage Cir, Moneta, VA 24121
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,840 sqft · built 1996 |
| Lot Size | 0.104 acres (4,530 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $930,000 (Mar 2025) |
| Tax Bill | $2,843 (2025) |
| Deeds & Mortgages | Sep 2023 Second Mortgage Oct 2020 Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 032 06-112 00 |
| Primary APN | 032 06-112 00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,840 sqft Living Area |
| Gross Area | 2,148 sqft |
| 1st Floor Area | 1,756 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 4,530 sqft (0.104 acres) |
| Terrain | Rolling |
| Porch | Slab |
| Porch Area | 308 sqft |
| Boat House | 288 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | 8677 |
|---|---|
| Street Address | 51 COTTAGE CIR |
| City | MONETA |
| State | VA |
| Zip | 24121-3422 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RPD |
| Legal Description | BOARDWALK - COTTAGE LOT 22 |
| Legal Subdivision | BOARDWALK |
| Legal Lot Number | 22 |
| Jurisdiction | FRANKLIN VA |
| Township / Civil Division | GILLS CREEK |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 20104 |
Source: Franklin County records · APN 032 06-112 00
Assessment roll updated June 19, 2026 · Last verified June 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 File |
|---|---|
| Mailing Address | 152 FRONTIER WAY, FINCASTLE, VA 24090-5309 |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Sep 18, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC |
| Oct 27, 2020 | Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP |
| Apr 04, 2017 | Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 06, 2025 · Amount on Record |
| Deed Sale | Mar 06, 2025 · Amount on Record |
| Prior Sale | Apr 04, 2017 · Amount on Record |
| Deed Document Number | 20251358 |
| Deed Book / Page | 1225 / 1355 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN VA |
| Property Address | 51 COTTAGE CIR, MONETA, VA 24121-3422 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0012040192 |
|---|---|
| Date | Sep 18, 2023 |
| Book Page | 1204/192 |
| Instrument | 230005490 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Oct 01, 2043 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN VA |
| Property Address | 51 COTTAGE CIR, MONETA, VA 24121-3422 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | SOLIDIFI TITLE & CLOSING |
| Name | Verified Name |
|---|
| Document Number | 0011492335 |
|---|---|
| Date | Oct 27, 2020 |
| Book Page | 1149/2335 |
| Instrument | 200008445 |
| Name | AMERISAVE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | ATLANTA, GA 30305 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | FRANKLIN VA |
| Recording Date | Apr 04, 2017 |
| Property Address | 51 COTTAGE CIR, MONETA, VA 24121-3422 |
| Document Number | 0010910195 |
| Book / Page | 001091 / 000195 |
| Instrument Date | Mar 15, 2017 |
| Instrument | 2047 |
| Transaction Type | Transfer |
| Record Updated | Aug 18, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $437.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 51 COTTAGE CIR MONETA VA 241213422, MONETA, VA 24121-3422 |
| Document Number | 10910218 |
|---|---|
| Date | Apr 04, 2017 |
| Book Page | 001091/000218 |
| Instrument | 2048 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 03, 2047 |
Source: Franklin County records · Assessment roll updated June 19, 2026 · Last verified June 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Franklin County |
| Unified School District | Franklin County Public Schools (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,843.00 (+8.22%) | $661,300 (+53.54%) Land $190,000 Building $471,300 | $661,300 (+53.54%) Land $190,000 Building $471,300 |
| 2023 | $2,627.00 | $430,700 (-) Land $185,000 Building $245,700 | $430,700 (-) Land $185,000 Building $245,700 |
| 2022 | $430,700 Land $185,000 Building $245,700 | $430,700 Land $185,000 Building $245,700 |
Source: FEMA National Flood Hazard Layer as of January 6, 2010 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 802.2 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 10 policies |
| Nearby Flood Policies | 10 in force |
| Wildfire Risk | Low lower than 99.8% of the US · lower than 99.9% of Virginia |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Shenandoah Telecommunications Company Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: SML Wireless, ZiTEL.
Based on FCC filings for 89 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | VISTA POINTE LANDING serves 115 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2024 |
| Also Mapped Here | WESTERN VIRGINIA WATER AUTHORITY, TOWN OF ROCKY MOUNT |
| Lead | Under 1 ppb (2021–2023) action level 15 ppb |
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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