520 Summerwind Dr, Union Hall, VA 24176 Property Records

Franklin County property record for 520 Summerwind Dr, Union Hall, VA 24176

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 2,511 sqft · built 2012
Lot Size	0.461 acres (20,081 sqft)
Owner	Individual Name on Record
Tax Bill	$4,966 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`048 11-075 00`

Property Details

APN / Parcel Number

Primary APN	`048 11-075 00`
Alternative APN	`15393`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,511 sqft Living Area
Gross Area	4,109 sqft
1st Floor Area	2,493 sqft
Basement Area	2,493 sqft
Finished Basement	1,745 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2020
Exterior Material	Wood
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	20,081 sqft (0.461 acres)
Terrain	Rolling
View / Lot	Waterfront
Garage Area	694 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	66 sqft
Deck Area	292 sqft
Patio Area	546 sqft
Balcony Area	18 sqft
Storage Building	Storage Building
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	Well

Location & Zoning

Account Number	15393
Street Address	520 SUMMERWIND DR
City	UNION HALL
State	VA
Zip	24176-3796
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	CONTENTMENT ISLAND LOT 80 SECTION 4
Legal Subdivision	CONTENTMENT ISLAND
Legal Lot Number	80
Jurisdiction	FRANKLIN VA
Township / Civil Division	UNION HALL
Census Block Group	3
Census Block	3007
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	Individual Name on Record
Mailing Address	520 SUMMERWIND DR, UNION HALL, VA 24176-3796
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jun 29, 2010
Transfer Doc	00098202025
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Recording Date	Jun 22, 2026
Property Address	520 SUMMERWIND DR, UNION HALL, VA 24176-3796
Document Number	0000004008
Book / Page	1246 / 4104
Instrument Date	Jun 12, 2026
Instrument	20264008
Transaction Type	Mortgage
Record Updated	Jul 16, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust, 165
Address	520 SUMMERWIND DR, UNION HALL, VA 24176-3796

Mortgage

Document Number	0000004008,
Date	Jun 22, 2026
Book Page	1246/4104
Instrument	20264008

Lender

Name	ATLANTIC BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 20, 2056

Interest

Rate	6.36%
Max Rate	-1%

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	$4,966.00 (+4.75%)	$1,155,000 (+48.59%) Land $250,500 Building $904,500	$1,155,000 (+48.59%) Land $250,500 Building $904,500
2023	$4,741.00	$777,300 (-) Land $243,500 Building $533,800	$777,300 (-) Land $243,500 Building $533,800
2022		$777,300 Land $243,500 Building $533,800	$777,300 Land $243,500 Building $533,800

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 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

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	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 59 locations within half a mile, as of December 31, 2025

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

May also be available: SMLW Broadband.

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