840 Jefferson Dock Rd, Penhook, VA 24137 Property Records

Franklin County property record for 840 Jefferson Dock Rd, Penhook, VA 24137

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,280 sqft · built 2022
Lot Size	0.89 acres (38,768 sqft)
Owner	2 Individual Names on File
Last Sale	$552,500 (Jan 2025)
Tax Bill	$1,628 (2025)
Deeds & Mortgages	Jan 2023 Mortgage Feb 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`067 03-001 05B`

Property Details

APN / Parcel Number

Primary APN	`067 03-001 05B`
Alternative APN	`44124`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	1 Story
Building Area	2,280 sqft Living Area
Gross Area	3,300 sqft
1st Floor Area	2,280 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2024
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	38,768 sqft (0.89 acres)
Terrain	Rolling
View / Lot	Waterfront
Garage Area	624 sqft
Driveway	Concrete Driveway
Parking Spaces	2 Parking Spaces
Porch	Slab

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	44124
Street Address	840 JEFFERSON DOCK RD
City	PENHOOK
State	VA
Zip	24137-3317
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A1
Legal Description	PENHOOK POINT LOT 5 SECTIONTION B
Legal Subdivision	PENHOOK POIN
Legal Lot Number	5
Jurisdiction	FRANKLIN VA
Township / Civil Division	UNION HALL
Census Block Group	2
Census Block	2013
Census Tract	20102

Owner

840 Jefferson Dock Rd is owned and occupied by two individuals who bought it in January 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	840 JEFFERSON DOCK RD, PENHOOK, VA 24137-3317
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Jan 19, 2023	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN NATIONAL BANK & TRUST CO
Feb 15, 2022	Deed of Trust, Mortgage · Line of Credit FARM CREDIT OF THE VIRGINIAS ACA
Jan 19, 2023	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN NATIONAL BANK & TRUST CO
Aug 4, 2021	Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL INS CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 21, 2025 · Amount on File
Deed Sale	Jan 21, 2025 · Amount on File
Prior Sale	Aug 4, 2021 · Amount on File
Deed Document Number	2025317
Deed Book / Page	1223 / 1858
Record Updated	Sep 20, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	840 JEFFERSON DOCK RD, PENHOOK, VA 24137-3317
Transaction Type	Mortgage
Record Updated	Jan 26, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0011941735
Date	Jan 19, 2023
Book Page	1194/1735
Instrument	230000301

Lender

Name	AMERICAN NATIONAL BANK & TRUST CO
Type	Bank
Address	DANVILLE, VA 24541

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Feb 1, 2038

Interest

Rate Type	Adjustable Rate
Rate	5.87%

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	840 JEFFERSON DOCK RD, PENHOOK, VA 24137-3317
Transaction Type	Mortgage
Record Updated	Jan 26, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2897 OLD FRANKLIN TPKE, ROCKY MOUNT, VA 24151-5685

Mortgage

Document Number	0011791395
Date	Feb 15, 2022
Book Page	1179/1395
Instrument	220001288

Lender

Name	FARM CREDIT OF THE VIRGINIAS ACA
Type	Bank
Address	SOUTH BOSTON, VA 24592

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	840 JEFFERSON DOCK RD, PENHOOK, VA 24137-3317
Transaction Type	Mortgage
Record Updated	Jan 26, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0011941738
Date	Jan 19, 2023
Book Page	1194/1738
Instrument	230000301

Lender

Name	AMERICAN NATIONAL BANK & TRUST CO
Type	Bank
Address	DANVILLE, VA 24541

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Feb 1, 2038

August 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN VA
Recording Date	Aug 4, 2021
Property Address	840 JEFFERSON DOCK RD, PENHOOK, VA 24137-3317
Document Number	0011672295
Book / Page	1167 / 2295
Map Reference	MB 951 PG 635-640
Instrument Date	Aug 2, 2021
Instrument	210007221
Transaction Type	Transfer
Record Updated	Jan 26, 2024
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL INS CO

Transaction

Amount	Amount on Record
Tax	$17.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2897 OLD FRANKLIN TPKE, ROCKY MOUNT, VA 24151-5685

Tax Assessment & Valuation

The 2025 property tax bill for 840 Jefferson Dock Rd was $1,628.

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	$1,628.00	$378,800 Land $37,000 Building $341,800	$378,800 Land $37,000 Building $341,800
2023	$1,761.00	$288,800 (+1,344%) Land $30,000 Building $258,800	$288,800 (+1,344%) Land $30,000 Building $258,800
2022		$20,000 Land $20,000	$20,000 Land $20,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 840 Jefferson Dock Rd in Zone X, an area of minimal flood risk.

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
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 840 Jefferson Dock 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	COTTAGE EDGE private · serves 80 people · EPA ID VA5067077
Water Source	Groundwater
Last State Inspection	Jan 2024
Also Mapped Here	VISTA POINTE LANDING
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 63 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

May also be available: SMLW Broadband.

Cell Coverage

5G (outdoors only) and 4G LTE

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