64 Reserve Rd, Moneta, VA 24121 Property Records

Franklin County property record for 64 Reserve Rd, Moneta, VA 24121

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 2,279 sqft · built 2020
Lot Size	0.776 acres (33,803 sqft)
Owner	Individual Name on File
Last Sale	$230,000 (Sep 2017)
Tax Bill	$5,055 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Jun 2021 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`047 15-012 00`

Property Details

APN / Parcel Number

Primary APN	`047 15-012 00`
Alternative APN	`43152`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	14 Rooms
Stories	1 Story
Building Area	2,279 sqft Living Area
Gross Area	4,844 sqft
1st Floor Area	2,280 sqft
Basement Area	2,279 sqft
Finished Basement	1,700 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2024
Exterior Material	Wood
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	33,803 sqft (0.776 acres)
Terrain	Rolling
View / Lot	Waterfront
Garage Area	870 sqft
Driveway	Concrete Driveway
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Porch	Slab
Patio Area	1,016 sqft
Storage Building	Storage Building
Utility Building	195 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	43152
Street Address	64 RESERVE RD
City	MONETA
State	VA
Zip	24121-2783
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	RESERVE LOT 12
Legal Subdivision	RESERVE
Legal Lot Number	12
Jurisdiction	FRANKLIN VA
Township / Civil Division	GILLS CREEK
Census Block Group	1
Census Block	1010
Census Tract	20103

Owner

Source: Franklin County records · APN 047 15-012 00

Assessment roll updated June 19, 2026 · Last verified June 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 File
Mailing Address	347 VIOLA LN, MONETA, VA 24121-3401
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage FULTON BANK NA
Jun 25, 2021	Deed of Trust, Mortgage · Line of Credit AMERICAN NATIONAL BANK & TRUST CO
Feb 21, 2020	Deed of Trust, Construction Loan · Construction Mortgage FULTON BK NA
Jul 19, 2019	Deed of Trust, Mortgage · Conventional with PMI AMERICAN NAT'L BK
Sep 18, 2017	Warranty Deed, Transfer · Conventional Mortgage VALLEYSTAR CU

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 18, 2017 · Amount on Record
Deed Sale	Sep 18, 2017 · Amount on Record
Prior Sale	Nov 17, 2009 · Amount on Record
Deed Document Number	20175899
Deed Book / Page	1098 / 235
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	64 RESERVE RD, MONETA, VA 24121-2783
Transaction Type	Mortgage
Record Updated	Jan 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0011642713
Date	Jun 16, 2021
Book Page	1164/2713
Instrument	210005661

Lender

Name	FULTON BANK NA
Type	Bank
Address	LANCASTER, PA 17602

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2051

Interest

Rate Type	Adjustable Rate
Rate	30%

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	64 RESERVE RD, MONETA, VA 24121-2783
Transaction Type	Mortgage
Record Updated	Jan 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	64 RESERVE RD, MONETA, VA 24121-2783

Mortgage

Document Number	0011651305
Date	Jun 25, 2021
Book Page	1165/1305
Instrument	210005969

Lender

Name	AMERICAN NATIONAL BANK & TRUST CO
Type	Bank
Address	HARDY, VA 24101

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	36 Months
Due	Jun 25, 2024

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Recording Date	Feb 21, 2020
Property Address	64 RESERVE RD, MONETA, VA 24121-2783
Document Number	0011343239
Book / Page	001134 / 003239
Instrument Date	Feb 21, 2020
Instrument	1151
Transaction Type	Construction Loan
Record Updated	Mar 17, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	11343239
Date	Feb 21, 2020
Book Page	001134/003239
Instrument	1151

Lender

Name	FULTON BK NA

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 20, 2050

Interest

Rate Type	Fixed Rate
Rate	3.88%

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	64 RESERVE RD, MONETA, VA 24121-2783
Document Number	0011242117
Instrument Date	Jul 19, 2019
Transaction Type	Mortgage
Record Updated	Aug 06, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0011242117
Date	Jul 19, 2019
Book Page	001124/002117
Instrument	4319

Lender

Name	AMERICAN NAT'L BK
Type	Bank

Agreement

Type	Conventional with PMI
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN VA
Recording Date	Sep 18, 2017
Property Address	64 RESERVE RD, MONETA, VA 24121-2783
Document Number	0010980235
Book / Page	001098 / 000235
Instrument Date	Sep 14, 2017
Instrument	5899
Transaction Type	Transfer
Record Updated	Feb 16, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$230.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	347 VIOLA LN MONETA VA 241213401, MONETA, VA 24121-3401

Mortgage

Document Number	10980239
Date	Sep 18, 2017
Book Page	001098/000239
Instrument	5900

Lender

Name	VALLEYSTAR CU

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Sep 17, 2037

Interest

Rate Type	Adjustable Rate
Rate	7%

Tax Assessment & Valuation

Source: Franklin County records · Assessment roll updated June 19, 2026 · Last verified June 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,055.00 (-5%)	$1,175,800 (+34.79%) Land $237,000 Building $938,800	$1,175,800 (+34.79%) Land $237,000 Building $938,800
2023	$5,321.00	$872,300 (-) Land $230,000 Building $642,300	$872,300 (-) Land $230,000 Building $642,300
2022		$872,300 Land $230,000 Building $642,300	$872,300 Land $230,000 Building $642,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of January 6, 2010 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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	5 in force
Nearby Flood Claims	3 (2012–2020)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Nov 2020 · rainfall accumulation

Wildfire

Wildfire Risk	Low lower than 98% of the US · lower than 99% of Virginia
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Shenandoah Telecommunications Company Cable	1,000 / 50
ZiTEL Fiber	960 / 960
Starlink Satellite	280 / 30

May also be available: SML Wireless.

Based on FCC filings for 33 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

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