550 Lakestone Rd, Union Hall, VA 24176 Property Records

Franklin County property record for 550 Lakestone Rd, Union Hall, VA 24176

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,444 sqft · built 2020
Lot Size	1.46 acres (63,772 sqft)
Owner	Individual Name on Record
Tax Bill	$5,018 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Aug 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`051 03-078 00`

Property Details

APN / Parcel Number

Primary APN	`051 03-078 00`
Alternative APN	`15736`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,444 sqft Living Area
Gross Area	4,552 sqft
1st Floor Area	3,147 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2024
Exterior Material	Brick
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	63,772 sqft (1.46 acres)
Terrain	Rolling
View / Lot	Waterfront

Exterior Amenities

Porch	Patio
Porch Area	207 sqft
Deck Area	560 sqft
Shed	1 Shed
Shed Area	120 sqft
Boat Access	Boat Access
Boat House	288 sqft
Boat Lift	Boat Lift
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	15736
Street Address	550 LAKESTONE RD
City	UNION HALL
State	VA
Zip	24176-4214
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	THE HILLSIDE LOT 21
Legal Subdivision	THE HILLSID
Legal Lot Number	21
Jurisdiction	FRANKLIN VA
Township / Civil Division	UNION HALL
Census Block Group	3
Census Block	3001
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	PO BOX 115, UNION HALL, VA 24176-0115
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP
Aug 13, 2018	Deed of Trust, Mortgage · Line of Credit AMERICAN NATL BK & TR CO

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	550 LAKESTONE RD, UNION HALL, VA 24176-4214
Transaction Type	Mortgage
Record Updated	May 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0011602156
Date	Apr 12, 2021
Book Page	1160/2156
Instrument	210003383

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2036

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	550 LAKESTONE RD, UNION HALL, VA 24176-4214
Document Number	0011112325
Instrument Date	Aug 13, 2018
Transaction Type	Mortgage
Record Updated	Mar 6, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0011112325
Date	Aug 17, 2018
Book Page	001111/002325
Instrument	5028

Lender

Name	AMERICAN NATL BK & TR CO

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	$5,018.00 (+0.42%)	$1,167,200 (-) Land $298,600 Building $868,600
2024	$4,997.00 (+40.4%)	$1,167,200 (+100.03%) Land $298,600 Building $868,600	$1,167,200 (+100.03%) Land $298,600 Building $868,600
2023	$3,559.00	$583,500 (-) Land $334,400 Building $249,100	$583,500 (-) Land $334,400 Building $249,100
2022		$583,500 Land $334,400 Building $249,100	$583,500 Land $334,400 Building $249,100

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	31 units insured incl. 24 condo units

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 93% of the US · lower than 95% of Virginia
Wildfire Likelihood	Under 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	DILLARDS HILL private · serves 755 people · EPA ID VA5067415
Water Source	Groundwater
Last State Inspection	Apr 2023
Also Mapped Here	WESTERN VIRGINIA WATER AUTHORITY
Lead	Under 1 ppb (2023–2025) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Glo Fiber Cable	1,000 / 50
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: SMLW Broadband.

Cell Coverage

5G (outdoors only) and 4G LTE

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