65 Loving Cir, Penhook, VA 24137 Property Records

Franklin County property record for 65 Loving Cir, Penhook, VA 24137

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,085 sqft · built 1992
Lot Size	0.529 acres (23,043 sqft)
Owner	Trust Name on File
Last Sale	$550,000 (Jul 2014)
Tax Bill	$5,459 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Nov 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`051 06-097 00`

Property Details

APN / Parcel Number

Primary APN	`051 06-097 00`
Alternative APN	`16054`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	3 Half Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,085 sqft Living Area
Gross Area	3,701 sqft
1st Floor Area	2,055 sqft
Basement Area	2,239 sqft
Finished Basement	2,239 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 2005
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	23,043 sqft (0.529 acres)
Terrain	Rolling
View / Lot	Waterfront
Garage Area	643 sqft
Driveway	Paver Driveway
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	455 sqft
Deck Area	270 sqft
Patio Area	50 sqft
Balcony Area	30 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	16054
Street Address	65 LOVING CIR
City	PENHOOK
State	VA
Zip	24137-5225
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	WATERS EDGE LOT 182 SECTION 3
Legal Subdivision	WATERS EDG
Legal Lot Number	182
Jurisdiction	FRANKLIN VA
Township / Civil Division	UNION HALL
Census Block Group	2
Census Block	2007
Census Tract	20102

Owner

65 Loving Cir is owner-occupied and held in a trust since November 2021.

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

Owner of Record	Trust Name on File
Mailing Address	65 LOVING CIR, PENHOOK, VA 24137-5225
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

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
Sep 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage PENTAGON FCU
Nov 12, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 8, 2014 · Amount on File
Deed Sale	Jul 8, 2014 · Amount on File
Prior Sale	Apr 22, 2014 · Amount on File
Deed Document Number	20143542
Deed Book / Page	1049 / 2702
Last Transfer Date	Nov 11, 2021
Transfer Doc	0011740758
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	65 LOVING CIR, PENHOOK, VA 24137-5225
Transaction Type	Mortgage
Record Updated	May 12, 2022
Title Company	PRESTIGE TITLE/BREVARD LLC, PRESTIGE T&E LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0011710950
Date	Sep 29, 2021
Book Page	1171/950
Instrument	210009147

Lender

Name	PENTAGON FCU
Type	Credit Union
Address	MC LEAN, VA 22102

Agreement

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

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FRANKLIN VA
Recording Date	Nov 12, 2021
Property Address	65 LOVING CIR, PENHOOK, VA 24137-5225
Document Number	0011740758
Book / Page	1174 / 758
Map Reference	MB 416 PG 1517
Instrument Date	Nov 11, 2021
Instrument	210010692
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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	65 LOVING CIR, PENHOOK, VA 24137-5225

Tax Assessment & Valuation

The 2025 property tax bill for 65 Loving Cir was $5,459.

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	$5,459.00	$1,269,600 Land $230,000 Building $1,039,600	$1,269,600 Land $230,000 Building $1,039,600
2023	$4,175.00	$684,500 (-) Land $195,000 Building $489,500	$684,500 (-) Land $195,000 Building $489,500
2022		$684,500 Land $195,000 Building $489,500	$684,500 Land $195,000 Building $489,500

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

Flood

FEMA maps place 65 Loving Cir 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	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

Wildfire risk around 65 Loving Cir 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	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 69 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

Nearby Properties on Loving Cir

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