Franklin County property record for 522 Coves Rd, Union Hall, VA 24176 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 2019 |
| Square Footage | 1,517 sqft Living Area |
| Lot Size | 23,305 sqft (0.535 acres) |
| Last Sale | $599,000 (2020) |
| Tax Bill | $3,153.00 (2025) |
| Primary APN | 052 10-004 00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 9 Rooms |
| Building Area | 1,517 sqft Living Area |
| Gross Area | 2,663 sqft Gross Area |
| 1st Floor | 1,517 sqft 1st Floor |
| Basement Area | 948 sqft Basement |
| Finished Basement | 948 sqft Finished |
| Stories | 1 Stories |
| Primary Flooring | Hardwood Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2014 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Wood Exterior |
| Roof Construction | Gable Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 23,305 sqft (0.535 acres) |
| Deck Area | 208 sqft Deck |
|---|---|
| Patio Area | 208 sqft Patio |
| Porch Area | 256 sqft Porch |
| Topography | Rolling Topography |
| Boat Access | Boat Access |
| Boat House | 144 sqft Boat House |
| Storage Building | Storage Building |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Heat Pump Heating |
| Heating Fuel | Electric Heating Fuel |
| Sewage | Septic Sewage |
| Water Source | Commercial Water Source |
| Account Number | 42697 |
|---|---|
| Street Address | 522 COVES RD |
| City | UNION HALL |
| State | VA |
| Zip | 24176-1101 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | COVES AT SML LOT 4 |
| Legal Subdivision | COVES AT SML |
| Legal Lot Number | 4 |
| Jurisdiction | FRANKLIN VA |
| Minor Civil Division | UNION HALL |
| Census Blockgroup | 1 |
| Census Block | 1009 |
| Census Tract | 20102 |
Source: Franklin County records · APN 052 10-004 00
Assessment roll updated June 19, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 3108 STONEWOOD DR, VIRGINIA BEACH, VA 23456-1562 |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Oct 25, 2023 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| Oct 18, 2021 | Deed, Transfer · Stand Alone First Mortgage FERRY LAND HOLDINGS LLC |
| Nov 12, 2020 | Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Nov 12, 2020 · Amount on Record |
| Deed Sale | Nov 12, 2020 · Amount on Record |
| Deed Doc Number | 20209065 |
| Deed Book / Page | 1150 / 2733 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN VA |
| Property Address | 522 COVES RD, UNION HALL, VA 24176-1101 |
| Transaction Type | Mortgage |
| Record Updated | Dec 04, 2023 |
| Name | Verified Name |
|---|---|
| Address | 522 COVES RD, UNION HALL, VA 24176-1101 |
| Document Number | 0012051801 |
|---|---|
| Date | Oct 25, 2023 |
| Book Page | 1205/1801 |
| Instrument | 230006312 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed |
|---|---|
| Jurisdiction | FRANKLIN VA |
| Recording Date | Oct 18, 2021 |
| Property Address | 522 COVES RD, UNION HALL, VA 24176-1101 |
| Document Number | 0011721832 |
| Book / Page | 1172 / 1832 |
| Map Reference | MB 1172 PG 1811&1812 |
| Instrument Date | Oct 04, 2021 |
| Instrument | 210009827 |
| Transaction Type | Transfer |
| Record Updated | Jan 23, 2023 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL INS CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $75.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenant By Entirety |
| Address | 3108 STONEWOOD DR, VIRGINIA BCH, VA 23456-1562 |
| Document Number | 0210009828 |
|---|---|
| Date | Oct 18, 2021 |
| Instrument | 210009828 |
| Name | FERRY LAND HOLDINGS LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed |
|---|---|
| Jurisdiction | FRANKLIN VA |
| Recording Date | Nov 12, 2020 |
| Property Address | 522 COVES RD, UNION HALL, VA 24176-1101 |
| Document Number | 0011502733 |
| Book / Page | 1150 / 2733 |
| Map Reference | MB 1150 PG 2731 |
| Instrument Date | Nov 10, 2020 |
| Instrument | 200009065 |
| Transaction Type | Transfer |
| Record Updated | Nov 09, 2021 |
| Title Company | FIDELITY NATIONAL TTL INS CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $599.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenant By Entirety |
| Address | 3108 STONEWOOD DR, VIRGINIA BEACH, VA 23456-1562 |
| Document Number | 200009066 |
|---|---|
| Date | Nov 12, 2020 |
| Instrument | 200009066 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2050 |
Source: Franklin County records · Assessment roll updated June 19, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Franklin County |
| Unified School District | Franklin County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,153.00 (-7.16%) | $733,400 (+31.72%) Land $220,000 Building $513,400 | $733,400 (+31.72%) Land $220,000 Building $513,400 |
| 2023 | $3,396.00 | $556,800 (-) Land $215,000 Building $341,800 | $556,800 (-) Land $215,000 Building $341,800 |
| 2022 | $556,800 Land $215,000 Building $341,800 | $556,800 Land $215,000 Building $341,800 |
522 Coves Rd is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Low risk).
Source: FEMA National Flood Hazard Layer · Franklin County (51067C), updated January 6, 2010
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Low 20th percentile of exposed land nationally · 29th in Virginia |
|---|---|
| Wildfire Likelihood | Low — about 1 in 5,556 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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