FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL INS CO
Transaction
Amount
Amount on Record
Downpayment
Downpayment on Record
Loan-to-Value (LTV)
LTV on Record
Tax
$1,407.75
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
6500 MARSTON CLUSTER, CENTREVILLE, VA 20120-3728
Mortgage
Document Number
0250007724
Date
Dec 1, 2025
Instrument
250007724
Lender
Name
EMBRACE HOME LOANS INC
Type
Mortgage Company
Agreement
Type
Conventional Mortgage
Amount
Amount on Record
Term
360 Months
Due
Dec 1, 2055
Interest
Rate Type
Adjustable Rate
Rate
5.87%
Type Change Date
Dec 1, 2032
Change Frequency
6 Months
Min Rate At Change
2.75%
Max Rate At Change
10.8%
Index
SOFR Average 30-Day
Max Rate
10.8%
May 2021: Intrafamily Transfer, Transfer
Document Type
Intrafamily Transfer
Jurisdiction
FRANKLIN VA
Recording Date
May 24, 2021
Property Address
54 BAY VIEW CIR, PENHOOK, VA 24137-5212
Document Number
0011631193
Book / Page
1163 / 1193
Map Reference
MB 437 PG 310
Instrument Date
May 13, 2021
Instrument
210004896
Transaction Type
Transfer
Record Updated
Jun 7, 2023
Transaction
Tax
$0.00
Amount Accuracy
Transfer Tax Exempt
Additional
Intrafamily Transfer
Transferred From (Grantor/Seller)
Name
Verified Name
Transferred To (Grantee/Buyer)
Name
Verified Name
Relationship
Family Trust
Address
54 BAY VIEW CIR, PENHOOK, VA 24137-5212
Tax Assessment & Valuation
The 2025 property tax bill for 54 Bay View Cir was $12,106.
Source: Franklin County assessment roll, as of September 15, 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
$12,106.00
$2,815,500Land $447,500Building $2,368,000
$2,815,500Land $447,500Building $2,368,000
2023
$9,376.00
$1,537,100 (-)Land $411,300Building $1,125,800
$1,537,100 (-)Land $411,300Building $1,125,800
2022
$1,537,100Land $411,300Building $1,125,800
$1,537,100Land $411,300Building $1,125,800
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Flood
FEMA maps place 54 Bay View Cir in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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
Wildfire risk around 54 Bay View Cir is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
Wildfire Risk
Low lower than 98% of the US · lower than 99% of Virginia
Wildfire Likelihood
Under 0.01% annual chance
Exposure
None beyond ember reach
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 113 locations within half a mile, as of December 31, 2025