85 Loving Cir, Penhook, VA 24137 Property Records

Franklin County property record for 85 Loving Cir, Penhook, VA 24137

Property Summary

Property Type	Single Family Home
Details	5 bd · 5.5 ba · 5,538 sqft · built 1990
Lot Size	0.653 acres (28,445 sqft)
Owner	Individual Name on Record
Last Sale	$925,000 (Oct 2017)
Tax Bill	$13,289 (2025)
Deeds & Mortgages	Oct 2017 Sale & Mortgage Mar 2017 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`051 06-099 00`

Property Details

APN / Parcel Number

Primary APN	`051 06-099 00`
Alternative APN	`16056`

Interior

Bedrooms	5 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	5,538 sqft Living Area
Gross Area	8,574 sqft
1st Floor Area	5,538 sqft
Basement Area	2,950 sqft
Finished Basement	2,060 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 2001
Exterior Material	Wood Siding
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	28,445 sqft (0.653 acres)
Terrain	Rolling
View / Lot	Waterfront
Garage Area	948 sqft
Driveway	Concrete Driveway
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	469 sqft
Deck Area	636 sqft
Patio Area	90 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	16056
Street Address	85 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 184 SECTION 3
Legal Subdivision	WATERS EDG
Legal Lot Number	184
Jurisdiction	FRANKLIN VA
Township / Civil Division	UNION HALL
Census Block Group	2
Census Block	2007
Census Tract	20102

Owner

Source: Franklin County records, as of September 15, 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 Record
Mailing Address	85 LOVING CIR, PENHOOK, VA 24137-5225
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 3, 2017	Grant Deed, Transfer CITIBANK
Mar 16, 2017	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 3, 2017 · Amount on Record
Deed Sale	Oct 3, 2017 · Amount on Record
Prior Sale	Mar 16, 2017 · Amount on Record
Deed Document Number	20176262
Deed Book / Page	1098 / 2331
Prior Transfer Date	Feb 27, 2017
Prior Transfer Doc	0010900575
Record Updated	Oct 29, 2026

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FRANKLIN VA
Recording Date	Oct 3, 2017
Property Address	85 LOVING CIR, PENHOOK, VA 24137-5225
Document Number	0010982331
Book / Page	001098 / 002331
Instrument Date	Sep 19, 2017
Instrument	6262
Transaction Type	Transfer
Record Updated	Feb 16, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$925.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85 LOVING CIR PENHOOK VA 241375225, PENHOOK, VA 24137-5225

Mortgage

Document Number	10982334
Date	Oct 3, 2017
Book Page	001098/002334
Instrument	6263

Lender

Name	CITIBANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Oct 2, 2032

Interest

Rate Type	Fixed Rate

March 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	FRANKLIN VA
Recording Date	Mar 16, 2017
Property Address	85 LOVING CIR, PENHOOK, VA 24137-5225
Document Number	0010900575
Book / Page	001090 / 000575
Instrument Date	Feb 27, 2017
Instrument	1578
Transaction Type	Foreclosure
Record Updated	Apr 4, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$888.73
Amount Accuracy	Confirmed
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3476 STATEVIEW BLVD FORT MILL SC 297157203, FORT MILL, SC 29715-7203

Tax Assessment & Valuation

Source: Franklin County assessment roll, as of September 15, 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	$13,289.00 (+62.44%)	$3,090,600 (+129.24%) Land $310,000 Building $2,780,600	$3,090,600 (+129.24%) Land $310,000 Building $2,780,600
2023	$8,181.00	$1,348,200 (+0.52%) Land $275,000 Building $1,073,200	$1,348,200 (+0.52%) Land $275,000 Building $1,073,200
2022		$1,341,200 Land $275,000 Building $1,066,200	$1,341,200 Land $275,000 Building $1,066,200

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

Flood

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

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 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

4G LTE only, no 5G reported

Nearby Properties on Loving Cir

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