Franklin County property record for 650 Bernard Rd, Rocky Mount, VA 24151
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,701 sqft · built 1960 |
| Lot Size | 0.43 acres (18,731 sqft) |
| Owner | Individual Name on File |
| Last Sale | $121,000 (Nov 2022) |
| Tax Bill | $1,038 (2025) |
| Deeds & Mortgages | Apr 2023 Line of Credit Nov 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 202 01-029 00 |
| Primary APN | 202 01-029 00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,701 sqft Living Area |
| Gross Area | 1,997 sqft |
| 1st Floor Area | 598 sqft |
| Basement Area | 598 sqft |
| Finished Basement | 598 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1979 |
| Exterior Material | Brick |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 18,731 sqft (0.43 acres) |
| Terrain | Rolling |
| Garage Area | 576 sqft |
| Driveway | Concrete Driveway |
| Parking Spaces | 2 Parking Spaces |
| Patio Area | 176 sqft |
|---|---|
| Balcony Area | 23 sqft |
| Shed | 1 Shed |
| Shed Area | 80 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 18580 |
|---|---|
| Street Address | 650 BERNARD RD |
| City | ROCKY MOUNT |
| State | VA |
| Zip | 24151-2250 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | MOUNTAIN VIEW TERRACE LOT 2 |
| Legal Subdivision | MOUNTAIN |
| Legal Lot Number | 2 |
| Jurisdiction | FRANKLIN VA |
| Township / Civil Division | ROCKY MOUNT |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 20400 |
650 Bernard Rd is owned and occupied by an individual who bought it in November 2022.
Source: Franklin County records, as of June 19, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 650 BERNARD RD, ROCKY MOUNT, VA 24151-2250 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 14, 2023 | Deed of Trust, Mortgage · Line of Credit MEMBER ONE FCU |
| Nov 23, 2022 | Deed, Transfer · Conventional Mortgage ALCOVA MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 23, 2022 · Amount on File |
| Deed Sale | Nov 23, 2022 · Amount on File |
| Deed Document Number | 20228580 |
| Deed Book / Page | 1192 / 2515 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN VA |
| Property Address | 650 BERNARD RD, ROCKY MOUNT, VA 24151-2250 |
| Transaction Type | Mortgage |
| Record Updated | Jun 28, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0011971742 |
|---|---|
| Date | Apr 14, 2023 |
| Book Page | 1197/1742 |
| Instrument | 230001937 |
| Name | MEMBER ONE FCU |
|---|---|
| Type | Credit Union |
| Address | ROANOKE, VA 24024 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Apr 13, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | FRANKLIN VA |
| Recording Date | Nov 23, 2022 |
| Property Address | 650 BERNARD RD, ROCKY MOUNT, VA 24151-2250 |
| Document Number | 0011922515 |
| Book / Page | 1192 / 2515 |
| Instrument Date | Nov 18, 2022 |
| Instrument | 220008580 |
| Transaction Type | Transfer |
| Record Updated | Jun 12, 2023 |
| Title Company | REPUBLIC NATIONAL TITLE INSURANCE COMPANY, OLD REPUBLIC NATL TTL INS CO |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $110.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 650 BERNARD RD, ROCKY MOUNT, VA 24151-2250 |
| Document Number | 0220008581 |
|---|---|
| Date | Nov 23, 2022 |
| Instrument | 220008581 |
| Name | ALCOVA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2052 |
The 2025 property tax bill for 650 Bernard Rd was $1,038.
Source: Franklin County assessment roll, as of June 19, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Franklin County |
| Municipality | Rocky Mount Town |
| Unified School District | Franklin County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,038.00 | $241,400 Land $38,000 Building $203,400 | $241,400 Land $38,000 Building $203,400 |
| 2023 | $1,027.00 | $168,500 (-) Land $35,000 Building $133,500 | $168,500 (-) Land $35,000 Building $133,500 |
| 2022 | $168,500 Land $35,000 Building $133,500 | $168,500 Land $35,000 Building $133,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 650 Bernard Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective January 6, 2010
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 650 Bernard Rd is low, with a 0.02% 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 | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| Lead | Under 1 ppb (2024–2026) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 71 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Glo Fiber Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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