88 Loving Cir, Penhook, VA 24137 Property Records

Franklin County property record for 88 Loving Cir, Penhook, VA 24137

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,375 sqft · built 2007
Lot Size	0.527 acres (22,956 sqft)
Owner	Individual Name on File
Last Sale	$790,000 (Jul 2020)
Tax Bill	$7,446 (2025)
Deeds & Mortgages	Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`051 06-101 00`

Property Details

APN / Parcel Number

Primary APN	`051 06-101 00`
Alternative APN	`16058`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	13 Rooms
Stories	1 Story
Building Area	2,375 sqft Living Area
Gross Area	4,501 sqft
1st Floor Area	2,375 sqft
Basement Area	2,375 sqft
Finished Basement	2,138 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2014
Exterior Material	Wood
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	22,956 sqft (0.527 acres)
Terrain	Rolling
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	955 sqft
Deck Area	30 sqft
Patio Area	126 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	16058
Street Address	88 LOVING CIR
City	PENHOOK
State	VA
Zip	24137-5208
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	WATERS EDGE LOT 186 SECTION 3
Legal Subdivision	WATERS EDG
Legal Lot Number	186
Jurisdiction	FRANKLIN VA
Township / Civil Division	UNION HALL
Census Block Group	2
Census Block	2007
Census Tract	20102

Owner

88 Loving Cir is owned by an individual who bought it in July 2020.

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

Owner of Record	Individual Name on File
Mailing Address	132 PLEASANT VALLEY DR, DAYTONA BEACH, FL 32114-1191
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 27, 2020 · Amount on File
Deed Sale	Jul 27, 2020 · Amount on File
Deed Document Number	20205215
Deed Book / Page	1143 / 1366
Record Updated	Sep 20, 2026

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN VA
Recording Date	Jul 27, 2020
Property Address	88 LOVING CIR, PENHOOK, VA 24137-5208
Document Number	0011431366
Book / Page	001143 / 001366
Instrument Date	Jul 20, 2020
Instrument	5215
Transaction Type	Transfer
Record Updated	Sep 1, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$790.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	132 PLEASANT VALLEY DR DAYTONA BEACH FL 321141191, DAYTONA BEACH, FL 32114-1191

Mortgage

Document Number	11431369
Date	Jul 27, 2020
Book Page	001143/001369
Instrument	5216

Lender

Name	FARMERS BK/APPOMATTOX
Type	Bank

Agreement

Amount	Amount on Record
Term	240 Months
Due	Jul 26, 2040

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 88 Loving Cir was $7,446.

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	$7,446.00	$1,731,800 Land $210,000 Building $1,521,800	$1,731,800 Land $210,000 Building $1,521,800
2023	$5,083.00	$833,300 (-) Land $180,000 Building $653,300	$833,300 (-) Land $180,000 Building $653,300
2022		$833,300 Land $180,000 Building $653,300	$833,300 Land $180,000 Building $653,300

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

Flood

FEMA maps place 88 Loving Cir in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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

Wildfire risk around 88 Loving Cir is low, with less than a 0.01% annual chance of 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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