611 Lakestone Rd, Union Hall, VA 24176 Property Records

Franklin County property record for 611 Lakestone Rd, Union Hall, VA 24176

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,528 sqft · built 2001
Lot Size	1.69 acres (73,791 sqft)
Owner	Individual Name on File
Tax Bill	$4,588 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Apr 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`048 02-058 00`

Property Details

APN / Parcel Number

Primary APN	`048 02-058 00`
Alternative APN	`14691`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,528 sqft Living Area
Gross Area	3,320 sqft
1st Floor Area	2,528 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2014
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	73,791 sqft (1.69 acres)
Terrain	Rolling
View / Lot	Waterfront

Exterior Amenities

Porch	Patio
Porch Area	336 sqft
Deck Area	456 sqft
Shed	1 Shed
Shed Area	100 sqft
Storage Building	Storage Building
Boat Access	Boat Access
Boat House	576 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	14691
Street Address	611 LAKESTONE RD
City	UNION HALL
State	VA
Zip	24176-3741
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	HOLIDAY FARMS LOT 8A
Legal Subdivision	HOLIDAY FARMS
Legal Lot Number	8A
Jurisdiction	FRANKLIN VA
Township / Civil Division	UNION HALL
Census Block Group	3
Census Block	3001
Census Tract	20102

Owner

611 Lakestone Rd is owned by an individual who acquired it in March 2020.

Source: Franklin County records, as of June 19, 2026

Owner of Record	Individual Name on File
Mailing Address	2500 KEAGY RD, SALEM, VA 24153-7460
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Apr 16, 2020	Gift Deed, Transfer · Conventional Mortgage COGENT BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Mar 26, 2020
Transfer Doc	0011372682
Record Updated	Sep 20, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	611 LAKESTONE RD, UNION HALL, VA 24176-3741
Transaction Type	Mortgage
Record Updated	Nov 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0011730707
Date	Oct 28, 2021
Book Page	1173/707
Instrument	210010184

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

April 2020: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	FRANKLIN VA
Recording Date	Apr 16, 2020
Property Address	611 LAKESTONE RD, UNION HALL, VA 24176-3741
Document Number	0011372677
Book / Page	1137 / 2677
Map Reference	MB 1120 PG 1007
Instrument Date	Mar 26, 2020
Instrument	200002511
Transaction Type	Transfer
Record Updated	Nov 9, 2021

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
Address	181 FORTER DRIVE, SALEM, VA 24153

Mortgage

Document Number	0011372682
Date	Apr 16, 2020
Book Page	1137/2682
Instrument	200002512

Lender

Name	COGENT BANK
Type	Bank
Address	NASHVILLE, TN 37201

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 611 Lakestone Rd was $4,588.

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	$4,588.00	$1,067,100 Land $514,700 Building $552,400	$1,067,100 Land $514,700 Building $552,400
2023	$4,993.00	$818,600 (-) Land $509,700 Building $308,900	$818,600 (-) Land $509,700 Building $308,900
2022		$818,600 Land $509,700 Building $308,900	$818,600 Land $509,700 Building $308,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 611 Lakestone Rd 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	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

Wildfire risk around 611 Lakestone Rd is low, with 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 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	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 34 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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