Franklin County property record for 75 Loving Cir, Penhook, VA 24137
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 5 ba · 3,581 sqft · built 1999 |
| Lot Size | 0.51 acres (22,216 sqft) |
| Owner | Company Name on File |
| Last Sale | $1,054,564 (Jun 2018) |
| Tax Bill | $7,935 (2025) |
| Deeds & Mortgages | Oct 2022 Line of Credit Apr 2019 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 051 06-098 00 |
| Primary APN | 051 06-098 00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 5 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 3,581 sqft Living Area |
| Gross Area | 7,340 sqft |
| 1st Floor Area | 3,580 sqft |
| Basement Area | 2,387 sqft |
| Finished Basement | 1,671 sqft |
| Sunroom | Sunroom |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 2008 |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 22,216 sqft (0.51 acres) |
| Terrain | Rolling |
| View / Lot | Waterfront |
| Garage Area | 502 sqft |
| Driveway | Paver Driveway |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 1,057 sqft |
| Deck Area | 623 sqft |
| Boat Access | Boat Access |
| Boat House | 624 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | 16055 |
|---|---|
| Street Address | 75 LOVING CIR |
| City | PENHOOK |
| State | VA |
| Zip | 24137 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RPD |
| Legal Description | WATERS EDGE LOT 183 SECTION 3 |
| Legal Subdivision | WATERS EDG |
| Legal Lot Number | 183 |
| Jurisdiction | FRANKLIN VA |
| Township / Civil Division | UNION HALL |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 20102 |
Source: Franklin County records · APN 051 06-098 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 | Company Name on File |
|---|---|
| Mailing Address | PO BOX 458, MONTEREY, VA 24465-0458 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Oct 07, 2022 | Deed of Trust, Mortgage · Line of Credit PENDLETON COMMUNITY BANK INC |
| Apr 29, 2019 | Deed of Trust, Mortgage · Line of Credit PENDLETON CMNTY BK |
| Dec 18, 2018 | Deed of Trust, Mortgage T BK |
| Jun 21, 2018 | Warranty Deed, Transfer PENDIETON CMNTY BK INC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 21, 2018 · Amount on Record |
| Deed Sale | Jun 21, 2018 · Amount on Record |
| Deed Document Number | 20183897 |
| Deed Book / Page | 1109 / 2616 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN VA |
| Property Address | 75 LOVING CIR, PENHOOK, VA 24137 |
| Transaction Type | Mortgage |
| Record Updated | Jun 12, 2023 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 458, MONTEREY, VA 24465-0458 |
| Document Number | 0011902396 |
|---|---|
| Date | Oct 07, 2022 |
| Book Page | 1190/2396 |
| Instrument | 220007456 |
| Name | PENDLETON COMMUNITY BANK INC |
|---|---|
| Type | Bank |
| Address | HARRISONBURG, VA 22801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Oct 06, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN VA |
| Property Address | 75 LOVING CIR, PENHOOK, VA 24137 |
| Document Number | 0011210184 |
| Instrument Date | Apr 29, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jun 11, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 75 LOVING CIR FRANKLIN COUNTY VA, FRANKLIN COUNTY, VA |
| Document Number | 0011210184 |
|---|---|
| Date | Apr 30, 2019 |
| Book Page | 001121/000184 |
| Instrument | 2439 |
| Name | PENDLETON CMNTY BK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN VA |
| Property Address | 75 LOVING CIR, PENHOOK, VA 24137 |
| Document Number | 0011180596 |
| Instrument Date | Dec 18, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Mar 20, 2019 |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Document Number | 0011180596 |
|---|---|
| Date | Feb 07, 2019 |
| Book Page | 001118/000596 |
| Instrument | 721 |
| Name | T BK |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FRANKLIN VA |
| Recording Date | Jun 21, 2018 |
| Property Address | 75 LOVING CIR, PENHOOK, VA 24137 |
| Document Number | 0011092616 |
| Book / Page | 001109 / 002616 |
| Instrument Date | Jun 07, 2018 |
| Instrument | 3897 |
| Transaction Type | Transfer |
| Record Updated | Feb 16, 2021 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,055.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | PO BOX 458 MONTEREY VA 244650458, MONTEREY, VA 24465-0458 |
| Document Number | 11092618 |
|---|---|
| Date | Jun 21, 2018 |
| Book Page | 001109/002618 |
| Instrument | 3898 |
| Name | PENDIETON CMNTY BK INC |
|---|
| Amount | Amount Recorded |
|---|
| Rate Type | Fixed Rate |
|---|
Source: Franklin County records · Assessment roll updated June 19, 2026 · Last verified June 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Franklin County |
| Unified School District | Franklin County Public Schools (PK - 12) |
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 | $7,935.00 (+32.96%) | $1,845,500 (+88.62%) Land $240,000 Building $1,605,500 | $1,845,500 (+88.62%) Land $240,000 Building $1,605,500 |
| 2023 | $5,968.00 | $978,400 (-) Land $210,000 Building $768,400 | $978,400 (-) Land $210,000 Building $768,400 |
| 2022 | $978,400 Land $210,000 Building $768,400 | $978,400 Land $210,000 Building $768,400 |
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
| 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 |
| Wildfire Risk | Low lower than 94% of the US · lower than 96% 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.
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 |
May also be available: SML Wireless.
Based on FCC filings for 69 locations within half a mile of this property.
4G LTE only, no 5G reported
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | TOWN OF ROCKY MOUNT serves 6,000 people |
|---|---|
| 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 |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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