85 Pine Bay Dr, Union Hall, VA 24176 Property Records

Franklin County property record for 85 Pine Bay Dr, Union Hall, VA 24176 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,358 sqft · built 2008
Lot Size	0.493 acres (21,475 sqft)
Owner	2 Individual Names on File
Last Sale	$1,785,000 (Jul 2024)
Tax Bill	$6,821 (2025)
Deeds & Mortgages	Jul 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`048 11-026 00`

Property Details

APN / Parcel Number

Primary APN	`048 11-026 00`
Alternative APN	`15344`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	1 Story
Building Area	2,358 sqft Living Area
Gross Area	4,332 sqft
1st Floor Area	2,358 sqft
Basement Area	2,358 sqft
Finished Basement	2,122 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2015
Exterior Material	Brick
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	21,475 sqft (0.493 acres)
Terrain	Rolling
View / Lot	Waterfront
Garage Area	702 sqft
Driveway	Asphalt Driveway
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	924 sqft
Deck Area	348 sqft
Patio Area	264 sqft
Boat Access	Boat Access
Boat House	288 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	15344
Street Address	85 PINE BAY DR
City	UNION HALL
State	VA
Zip	24176-4150
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CONTENTMENT ISLAND LOT 26 SECTION 1
Legal Subdivision	CONTENTMENT ISLAND
Legal Lot Number	26
Jurisdiction	FRANKLIN VA
Township / Civil Division	UNION HALL
Census Block Group	3
Census Block	3007
Census Tract	20102

Owner

Source: Franklin County records · APN 048 11-026 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	2 Individual Names on File
Mailing Address	3210 FORSYTH DR, GREENSBORO, NC 27407-7222
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 15, 2024 · Amount on Record
Deed Sale	Jul 15, 2024 · Amount on Record
Deed Document Number	20244144
Deed Book / Page	1215 / 2923
Record Updated	Sep 20, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	85 PINE BAY DR, UNION HALL, VA 24176-4150
Transaction Type	Mortgage
Record Updated	Jun 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3212 OLDE SEDGEFIELD WAY, GREENSBORO, NC 27407-7280

Mortgage

Document Number	0011872538
Date	Jul 28, 2022
Book Page	1187/2538
Instrument	220005766

Lender

Name	FIRST HORIZON BANK
Type	Bank
Address	WINSTON SALEM, NC 27104

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 30, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Franklin County records · Assessment roll updated June 19, 2026 · Last verified June 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Franklin County
Unified School District	Franklin County Public Schools (PK - 12)

Tax Bill & Assessment History

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	$6,821.00 (-3.14%)	$1,586,300 (+37.4%) Land $420,000 Building $1,166,300	$1,586,300 (+37.4%) Land $420,000 Building $1,166,300
2023	$7,042.00	$1,154,500 (-) Land $415,000 Building $739,500	$1,154,500 (-) Land $415,000 Building $739,500
2022		$1,154,500 Land $415,000 Building $739,500	$1,154,500 Land $415,000 Building $739,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Franklin County (51067C), updated January 6, 2010 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 510670201023, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Cost	Premium on Record median of 7 individual NFIP policies nearby
Nearby Flood Policies	31 units insured (24 under condo master policies) 3 of 7 individual policies on primary residences

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
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.