550 Summerwind Dr, Union Hall, VA 24176 Property Records

Franklin County property record for 550 Summerwind Dr, Union Hall, VA 24176

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,539 sqft · built 2004
Lot Size	0.442 acres (19,254 sqft)
Owner	Trust Name on Record
Tax Bill	$4,781 (2025)
Deeds & Mortgages	Dec 2023 Transfer Sep 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`048 11-073 00`

Property Details

APN / Parcel Number

Primary APN	`048 11-073 00`
Alternative APN	`15391`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,539 sqft Living Area
Gross Area	4,211 sqft
1st Floor Area	2,539 sqft
Basement Area	2,539 sqft
Finished Basement	1,777 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2012
Exterior Material	Stone
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	19,254 sqft (0.442 acres)
Terrain	Rolling
View / Lot	Waterfront
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	624 sqft
Patio Area	40 sqft
Storage Building	Storage Building
Boat Access	Boat Access
Boat House	144 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	15391
Street Address	550 SUMMERWIND DR
City	UNION HALL
State	VA
Zip	24176-3796
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	CONTENTMENT ISLAND LOT 78 SECTION 4
Legal Subdivision	CONTENTMENT ISLAND
Legal Lot Number	78
Jurisdiction	FRANKLIN VA
Township / Civil Division	UNION HALL
Census Block Group	3
Census Block	3007
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	Trust Name on Record
Mailing Address	550 SUMMERWIND DR, UNION HALL, VA 24176-3796
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 12, 2023	Gift Deed, Transfer
Sep 13, 2019	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN NAT'L BK
May 2, 2017	Deed of Trust, Mortgage · Line of Credit AMERICAN NAT'L BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Dec 11, 2023
Transfer Doc	0012070292
Record Updated	Sep 20, 2026

December 2023: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	FRANKLIN VA
Recording Date	Dec 12, 2023
Property Address	550 SUMMERWIND DR, UNION HALL, VA 24176-3796
Document Number	0012070292
Book / Page	1207 / 292
Map Reference	MB 463 PG 1083
Instrument Date	Dec 11, 2023
Instrument	230007198
Transaction Type	Transfer
Record Updated	Jan 10, 2024

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	Revocable Trust
Address	550 SUMMERWIND DR, UNION HALL, VA 24176-3796

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	550 SUMMERWIND DR, UNION HALL, VA 24176-3796
Document Number	0011271452
Instrument Date	Sep 13, 2019
Transaction Type	Mortgage
Record Updated	Nov 5, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	550 SUMMERWIND DR UNION HALL VA 241763796, UNION HALL, VA 24176-3796

Mortgage

Document Number	0011271452
Date	Sep 18, 2019
Book Page	001127/001452
Instrument	5779

Lender

Name	AMERICAN NAT'L BK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 17, 2034

Interest

Rate Type	Fixed Rate

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	550 SUMMERWIND DR, UNION HALL, VA 24176-3796
Document Number	0010921700
Instrument Date	May 2, 2017
Transaction Type	Mortgage
Record Updated	Aug 20, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	550 SUMMERWIND DR UNION HALL VA 241763796, UNION HALL, VA 24176-3796

Mortgage

Document Number	0010921700
Date	May 9, 2017
Book Page	001092/001700
Instrument	2852

Lender

Name	AMERICAN NAT'L BK
Type	Bank
Address	HARDY, VA 24101

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	$4,781.00 (+4.3%)	$1,111,900 (+47.96%) Land $253,000 Building $858,900	$1,111,900 (+47.96%) Land $253,000 Building $858,900
2023	$4,584.00	$751,500 (-) Land $248,000 Building $503,500	$751,500 (-) Land $248,000 Building $503,500
2022		$751,500 Land $248,000 Building $503,500	$751,500 Land $248,000 Building $503,500

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	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 80% of the US · lower than 71% of Virginia
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	WESTERN VIRGINIA WATER AUTHORITY serves 182,700 people · EPA ID VA2770900
Water Source	Surface water
Last State Inspection	Aug 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jan 2020 Haloacetic acids resolved · Jul 2017
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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 59 locations within half a mile, as of December 31, 2025

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

May also be available: SMLW Broadband.

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