55 Harbor View Cir, Penhook, VA 24137 Property Records

Franklin County property record for 55 Harbor View Cir, Penhook, VA 24137

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,118 sqft · built 1991
Lot Size	0.41 acres (17,860 sqft)
Owner	Individual Name on Record
Last Sale	$720,000 (Oct 2019)
Tax Bill	$5,660 (2025)
Deeds & Mortgages	Oct 2019 Sale & Mortgage Mar 2017 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`051 07-026 00`

Property Details

APN / Parcel Number

Primary APN	`051 07-026 00`
Alternative APN	`16126`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	15 Rooms
Stories	1 Story
Building Area	2,118 sqft Living Area
Gross Area	3,667 sqft
1st Floor Area	1,952 sqft
Basement Area	2,213 sqft
Finished Basement	1,792 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1991
Effective Year Built	Effective 2005
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	17,860 sqft (0.41 acres)
Terrain	Rolling
View / Lot	Waterfront
Garage Area	509 sqft
Driveway	Paver Driveway
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	408 sqft
Deck Area	220 sqft
Patio Area	204 sqft
Balcony Area	5 sqft
Boat Access	Boat Access
Boat House	812 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	16126
Street Address	55 HARBOR VIEW CIR
City	PENHOOK
State	VA
Zip	24137-5091
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	THE WATER'S EDGE LOT 121 SECTION 2
Legal Subdivision	THE WATER'S EDG
Legal Lot Number	121
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	224 CEDAR SPRINGS DR, PRINCETON, NC 27569-8898
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 15, 2019	Warranty Deed, Transfer · Conventional Mortgage KS BK INC
Mar 3, 2017	Deed of Trust, Mortgage · Line of Credit FREEDOM FIRST CU
Jan 5, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF NC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 15, 2019 · Amount on Record
Deed Sale	Oct 15, 2019 · Amount on Record
Prior Sale	May 20, 2009 · Amount on Record
Deed Document Number	20196548
Deed Book / Page	1128 / 2700
Record Updated	Sep 20, 2026

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN VA
Recording Date	Oct 15, 2019
Property Address	55 HARBOR VIEW CIR, PENHOOK, VA 24137-5091
Document Number	0011282700
Book / Page	001128 / 002700
Instrument Date	Oct 7, 2019
Instrument	6548
Transaction Type	Transfer
Record Updated	Nov 5, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$720.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	224 CEDAR SPRINGS DR PRINCETON NC 275698898, PRINCETON, NC 27569-8898

Mortgage

Document Number	11282703
Date	Oct 15, 2019
Book Page	001128/002703
Instrument	6549

Lender

Name	KS BK INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 14, 2049

Interest

Rate Type	Fixed Rate

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	55 HARBOR VIEW CIR, PENHOOK, VA 24137-5091
Document Number	0010892369
Book / Page	001089 / 002369
Instrument Date	Mar 3, 2017
Transaction Type	Mortgage
Record Updated	Mar 22, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	55 HARBOR VIEW CIR PENHOOK VA 241375091, PENHOOK, VA 24137-5091

Mortgage

Document Number	0010892369
Date	Mar 6, 2017
Book Page	001089/002369
Instrument	1349

Lender

Name	FREEDOM FIRST CU
Type	Credit Union
Address	ROANOKE, VA 24019

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	55 HARBOR VIEW CIR, PENHOOK, VA 24137-5091
Document Number	0010880419
Book / Page	001088 / 000419
Instrument Date	Jan 5, 2017
Transaction Type	Mortgage
Record Updated	Feb 14, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	55 HARBOR VIEW CIR PENHOOK VA 241375091, PENHOOK, VA 24137-5091

Mortgage

Document Number	0010880419
Date	Jan 24, 2017
Book Page	001088/000419
Instrument	455

Lender

Name	BANK OF NC
Type	Bank
Address	ROANOKE, VA 24011

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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	$5,660.00 (+25.69%)	$1,316,400 (+78.33%) Land $320,000 Building $996,400	$1,316,400 (+78.33%) Land $320,000 Building $996,400
2023	$4,503.00	$738,200 (-) Land $275,000 Building $463,200	$738,200 (-) Land $275,000 Building $463,200
2022		$738,200 Land $275,000 Building $463,200	$738,200 Land $275,000 Building $463,200

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 53 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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