535 Morgans Mill Dr, Penhook, VA 24137 Property Records

Franklin County property record for 535 Morgans Mill Dr, Penhook, VA 24137

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 1,582 sqft · built 1988
Lot Size	0.583 acres (25,395 sqft)
Owner	Individual Name on Record
Last Sale	$1,025,000 (Nov 2021)
Tax Bill	$4,354 (2025)
Deeds & Mortgages	Nov 2021 Sale & Mortgage Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`051 09-115 00`

Property Details

APN / Parcel Number

Primary APN	`051 09-115 00`
Alternative APN	`16333`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,582 sqft Living Area
Gross Area	3,177 sqft
1st Floor Area	1,546 sqft
Basement Area	1,546 sqft
Finished Basement	1,546 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2001
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	25,395 sqft (0.583 acres)
Terrain	Rolling
View / Lot	Waterfront
Garage Area	600 sqft
Driveway	Paver Driveway
Parking Spaces	2 Parking Spaces

Exterior Amenities

Deck Area	75 sqft
Patio Area	460 sqft
Balcony Area	36 sqft
Boat Access	Boat Access
Boat House	300 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	16333
Street Address	535 MORGANS MILL DR
City	PENHOOK
State	VA
Zip	24137-5219
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	THE WATER'S EDGE LOT 348 SECTION 6
Legal Subdivision	THE WATER'S EDG
Legal Lot Number	348
Jurisdiction	FRANKLIN VA
Township / Civil Division	UNION HALL
Census Block Group	2
Census Block	2007
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	5842 OLD LOCKE CT, ROANOKE, VA 24018-3874
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2021	Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
Aug 26, 2020	Deed, Transfer · Conventional Mortgage BANK OF THE JAMES INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 17, 2021 · Amount on Record
Deed Sale	Nov 17, 2021 · Amount on Record
Prior Sale	Aug 26, 2020 · Amount on Record
Deed Document Number	202110821
Deed Book / Page	1174 / 1557
Record Updated	Sep 20, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN VA
Recording Date	Nov 17, 2021
Property Address	535 MORGANS MILL DR, PENHOOK, VA 24137-5219
Document Number	0011741557
Book / Page	1174 / 1557
Map Reference	MB 437 PG 310
Instrument Date	Nov 15, 2021
Instrument	210010821
Transaction Type	Transfer
Record Updated	Nov 30, 2021
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,025.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5842 OLD LOCKE CT, ROANOKE, VA 24018-3874

Mortgage

Document Number	210010823
Date	Nov 17, 2021
Instrument	210010823

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

August 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN VA
Recording Date	Aug 26, 2020
Property Address	535 MORGANS MILL DR, PENHOOK, VA 24137-5219
Document Number	0011451514
Book / Page	1145 / 1514
Map Reference	MB 437 PG 310
Instrument Date	May 28, 2020
Instrument	200006244
Transaction Type	Transfer
Record Updated	Nov 9, 2021
Title Company	FIDELITY NATIONAL TTL INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$612.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	25 W RIDGE LN, UNION HALL, VA 24176-4003

Mortgage

Document Number	200006245
Date	Aug 26, 2020
Instrument	200006245

Lender

Name	BANK OF THE JAMES INC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

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	$4,354.00 (+20.04%)	$1,012,700 (+70.32%) Land $320,000 Building $692,700	$1,012,700 (+70.32%) Land $320,000 Building $692,700
2023	$3,627.00	$594,600 (-) Land $275,000 Building $319,600	$594,600 (-) Land $275,000 Building $319,600
2022		$594,600 Land $275,000 Building $319,600	$594,600 Land $275,000 Building $319,600

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	7 in force

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	Direct burnable vegetation

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	TOWN OF ROCKY MOUNT serves 6,000 people · EPA ID VA5067840
Water Source	Surface water
Last State Inspection	May 2025
Also Mapped Here	WESTERN VIRGINIA WATER AUTHORITY
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

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, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 52 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Glo Fiber Cable	1,000 / 50

May also be available: SMLW Broadband.

Cell Coverage

5G (outdoors only) and 4G LTE

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