Franklin County property record for 528 Coves Rd, Union Hall, VA 24176 · Last verified June 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 1,838 sqft · built 2021 |
| Lot Size | 0.6 acres (26,136 sqft) |
| Owner | Individual Name on File |
| Last Sale | $225,000 (Apr 2021) |
| Tax Bill | $3,367 (2025) |
| Deeds & Mortgages | May 2022 Mortgage Apr 2021 Sale & Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 052 10-003 00 |
| Primary APN | 052 10-003 00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 1,838 sqft Living Area |
| Gross Area | 3,015 sqft |
| 1st Floor Area | 1,838 sqft |
| Basement Area | 1,186 sqft |
| Finished Basement | 1,117 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2024 |
| Exterior Material | Wood |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 26,136 sqft (0.6 acres) |
| Terrain | Rolling |
| View / Lot | Waterfront |
| Porch | Patio |
|---|---|
| Deck Area | 272 sqft |
| Storage Building | Storage Building |
| Boat Access | Boat Access |
| Boat House | 288 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | 42696 |
|---|---|
| Street Address | 528 COVES RD |
| City | UNION HALL |
| State | VA |
| Zip | 24176-1101 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COVES AT SML LOT 3 |
| Legal Subdivision | COVES AT SML |
| Legal Lot Number | 3 |
| Jurisdiction | FRANKLIN VA |
| Township / Civil Division | UNION HALL |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 20102 |
Source: Franklin County records · APN 052 10-003 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 | Individual Name on File |
|---|---|
| Mailing Address | 20243 KENTUCKY OAKS CT, ASHBURN, VA 20147-3167 |
| Owner Type | Individual |
| Vesting | Borrower in Default |
| Date | Document |
|---|---|
| May 16, 2022 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN NATIONAL BANK & TRUST |
| Apr 16, 2021 | Deed, Transfer · Line of Credit AMERICAN NATIONAL BANK & TRUST CO |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 16, 2021 · Amount on Record |
| Deed Sale | Apr 16, 2021 · Amount on Record |
| Prior Sale | Mar 30, 2021 · Amount on Record |
| Deed Document Number | 20213622 |
| Deed Book / Page | 1161 / 220 |
| Prior Transfer Date | Oct 08, 2018 |
| Prior Transfer Doc | 00111402007 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN VA |
| Property Address | 528 COVES RD, UNION HALL, VA 24176-1101 |
| Transaction Type | Mortgage |
| Record Updated | Jun 26, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0011841448 |
|---|---|
| Date | May 16, 2022 |
| Book Page | 1184/1448 |
| Instrument | 220003906 |
| Name | AMERICAN NATIONAL BANK & TRUST |
|---|---|
| Type | Bank |
| Address | DANVILLE, VA 24541 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Jun 01, 2032 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FRANKLIN VA |
| Recording Date | Apr 16, 2021 |
| Property Address | 528 COVES RD, UNION HALL, VA 24176-1101 |
| Document Number | 0011610220 |
| Book / Page | 1161 / 220 |
| Map Reference | MB 1150 PG 2731 |
| Instrument Date | Mar 30, 2021 |
| Instrument | 210003622 |
| Transaction Type | Transfer |
| Record Updated | Jun 07, 2023 |
| Title Company | FIDELITY NATIONAL TTL INS CO |
| Amount | Amount Recorded |
|---|---|
| Tax | $225.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Revocable Trust |
| Address | 20243 KENTUCKY OAKS CT, ASHBURN, VA 20147-3167 |
| Document Number | 0210003623 |
|---|---|
| Date | Apr 16, 2021 |
| Instrument | 210003623 |
| Name | AMERICAN NATIONAL BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 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 | $3,367.00 (-4.4%) | $783,200 (+35.64%) Land $230,000 Building $553,200 | $783,200 (+35.64%) Land $230,000 Building $553,200 |
| 2023 | $3,522.00 | $577,400 (-) Land $195,000 Building $382,400 | $577,400 (-) Land $195,000 Building $382,400 |
| 2022 | $577,400 Land $195,000 Building $382,400 | $577,400 Land $195,000 Building $382,400 |
Source: FEMA National Flood Hazard Layer, Franklin County (51067C), updated January 6, 2010 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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