531 Coves Rd, Union Hall, VA 24176 Property Records

Franklin County property record for 531 Coves Rd, Union Hall, VA 24176

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 1,757 sqft · built 2023
Lot Size	0.622 acres (27,094 sqft)
Owner	2 Company Names on File
Last Sale	$290,000 (Jun 2021)
Tax Bill	$3,782 (2025)
Deeds & Mortgages	Dec 2022 Construction Loan Jun 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`052 10-001 00`

Property Details

APN / Parcel Number

Primary APN	`052 10-001 00`
Alternative APN	`42694`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,757 sqft Living Area
Gross Area	4,148 sqft
1st Floor Area	1,757 sqft
Basement Area	1,647 sqft
Finished Basement	641 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2024
Exterior Material	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	27,094 sqft (0.622 acres)
Terrain	Rolling
View / Lot	Waterfront
Garage Area	336 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Deck Area	152 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	Municipal
Water Source	Commercial

Location & Zoning

Account Number	42694
Street Address	531 COVES RD
City	UNION HALL
State	VA
Zip	24176-1107
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SM
Legal Description	COVES AT SML LOT 1
Legal Subdivision	COVES AT SML
Legal Lot Number	1
Jurisdiction	FRANKLIN VA
Township / Civil Division	UNION HALL
Census Block Group	1
Census Block	1009
Census Tract	20102

Owner

Source: Franklin County assessment roll, 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	2 Company Names on File
Mailing Address	531 COVES RD, UNION HALL, VA 24176-1107
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 16, 2022	Deed of Trust, Mortgage · Construction Mortgage TRULIANT FCU
Jun 21, 2021	Deed, Transfer · Commercial Mortgage AMERICAN BANK & TRUST COMPANY NA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 21, 2021 · Amount on Record
Deed Sale	Jun 21, 2021 · Amount on Record
Deed Document Number	20215789
Deed Book / Page	1165 / 160
Last Transfer Date	May 8, 2024
Transfer Doc	0012122578
Record Updated	Sep 20, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	COVES RD, UNION HALL, VA 24176
Transaction Type	Mortgage
Record Updated	Sep 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3872 UNIVERSITY DR, FAIRFAX, VA 22030-2517

Mortgage

Document Number	0011931960
Date	Dec 16, 2022
Book Page	1193/1960
Instrument	220009010

Lender

Name	TRULIANT FCU
Type	Credit Union
Address	WINSTON SALEM, NC 27103

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Jan 1, 2054

June 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN VA
Recording Date	Jun 21, 2021
Property Address	COVES RD, UNION HALL, VA 24176
Document Number	0011650160
Book / Page	1165 / 160
Map Reference	MB 1150 PG 2731
Instrument Date	Jun 9, 2021
Instrument	210005789
Transaction Type	Transfer
Record Updated	Sep 29, 2023
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$290.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	3872 UNIVERSITY DR, FAIRFAX, VA 22030-2517

Mortgage

Document Number	0210005790
Date	Jun 21, 2021
Instrument	210005790

Lender

Name	AMERICAN BANK & TRUST COMPANY NA
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Jun 18, 2026

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	$3,782.00 (+553.2%)	$879,600 (+825.89%) Land $288,000 Building $591,600	$879,600 (+825.89%) Land $288,000 Building $591,600
2023	$579.00	$95,000 (-) Land $95,000	$95,000 (-) Land $95,000
2022		$95,000 Land $95,000	$95,000 Land $95,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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	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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 95% of the US · lower than 97.5% of Virginia
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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

Provider	Max Down / Up (Mbps)
Shenandoah Telecommunications Company Cable · Fiber in parts of the area	1,000 / 50
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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