545 Bernard Rd, Rocky Mount, VA 24151 Property Records

Franklin County property record for 545 Bernard Rd, Rocky Mount, VA 24151

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,092 sqft · built 1960
Lot Size	1.1 acres (47,916 sqft)
Owner	Individual Name on Record
Last Sale	$154,950 (Feb 2021)
Tax Bill	$916 (2025)
Deeds & Mortgages	Feb 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`202 01-110 00`

Property Details

APN / Parcel Number

Primary APN	`202 01-110 00`
Alternative APN	`18664`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,092 sqft Living Area
Gross Area	1,586 sqft
1st Floor Area	1,092 sqft
Basement Area	1,092 sqft
Unfinished Basement	1,092 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1979
Exterior Material	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	47,916 sqft (1.1 acres)
Terrain	Rolling
Garage Type	Carport
Carport	Carport
Driveway	Paver Driveway
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed Area	384 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	18664
Street Address	545 BERNARD RD
City	ROCKY MOUNT
State	VA
Zip	24151-2249
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	FRANKLIN HGTS NO 2 LOT 5 & REAR LOT
Legal Subdivision	FRANKLIN HGTS
Legal Lot Number	5
Jurisdiction	FRANKLIN VA
Township / Civil Division	ROCKY MOUNT
Census Block Group	2
Census Block	2020
Census Tract	20400

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	545 BERNARD RD, ROCKY MOUNT, VA 24151-2249
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 12, 2021 · Amount on Record
Deed Sale	Feb 12, 2021 · Amount on Record
Deed Document Number	20211490
Deed Book / Page	1156 / 2955
Prior Transfer Date	Jun 13, 2014
Prior Transfer Doc	00104802926
Record Updated	Sep 20, 2026

February 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN VA
Recording Date	Feb 12, 2021
Property Address	545 BERNARD RD, ROCKY MOUNT, VA 24151-2249
Document Number	0011562955
Book / Page	1156 / 2955
Map Reference	MB 2 PG 183
Instrument Date	Feb 9, 2021
Instrument	210001490
Transaction Type	Transfer
Record Updated	Nov 9, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$155.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	210001491
Date	Feb 12, 2021
Instrument	210001491

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

Tax Assessment & Valuation

Source: Franklin County assessment roll, as of June 19, 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Franklin County
Municipality	Rocky Mount Town
Unified School District	Franklin County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$916.00 (+7.39%)	$213,100 (+52.32%) Land $43,500 Building $169,600	$213,100 (+52.32%) Land $43,500 Building $169,600
2023	$853.00	$139,900 (-) Land $40,500 Building $99,400	$139,900 (-) Land $40,500 Building $99,400
2022		$139,900 Land $40,500 Building $99,400	$139,900 Land $40,500 Building $99,400

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	0.02% 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
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 71 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Glo Fiber Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20