885 Whetstone Rd, Ferrum, VA 24088 Property Records

Franklin County property record for 885 Whetstone Rd, Ferrum, VA 24088

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,190 sqft · built 2004
Lot Size	4.38 acres (190,836 sqft)
Owner	2 Individual Names on Record
Last Sale	$349,000 (Nov 2025)
Tax Bill	$1,195 (2025)
Deeds & Mortgages	Nov 2025 Sale & Mortgage Apr 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`074 00-105 03`

Property Details

APN / Parcel Number

Primary APN	`074 00-105 03`
Alternative APN	`37789`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,190 sqft Living Area
Gross Area	1,895 sqft
1st Floor Area	1,190 sqft
Basement Area	1,190 sqft
Unfinished Basement	1,190 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2012
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	190,836 sqft (4.38 acres)
Terrain	Rolling
Porch	Slab
Porch Area	30 sqft
Deck Area	675 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	37789
Street Address	885 WHETSTONE RD
City	FERRUM
State	VA
Zip	24088-2712
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NZ
Legal Description	RT 751
Jurisdiction	FRANKLIN VA
Township / Civil Division	BLUE RIDGE
Census Block Group	1
Census Block	1010
Census Tract	20600

Owner

Source: Franklin County records, as of June 19, 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 Record
Mailing Address	885 WHETSTONE RD, FERRUM, VA 24088-2712
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Nov 7, 2025	Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
Apr 12, 2024	Bargain and Sale Deed, Transfer · Conventional Mortgage AMERICAN NATIONAL BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 7, 2025 · Amount on Record
Deed Sale	Nov 7, 2025 · Amount on Record
Prior Sale	Apr 12, 2024 · Amount on Record
Deed Document Number	20257262
Deed Book / Page	1237 / 406
Prior Transfer Date	Mar 13, 2003
Prior Transfer Doc	00086000058
Record Updated	Sep 20, 2026

November 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN VA
Recording Date	Nov 7, 2025
Property Address	885 WHETSTONE RD, FERRUM, VA 24088-2712
Document Number	0012370406
Book / Page	1237 / 406
Map Reference	MB 701 PG 1228
Instrument Date	Oct 28, 2025
Instrument	250007262
Transaction Type	Transfer
Record Updated	Dec 9, 2025
Title Company	VENTURE TITLE, CENTURY TITLE SERVICES INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$174.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	885 WHETSTONE RD, FERRUM, VA 24088-2712

Mortgage

Document Number	0250007263
Date	Nov 7, 2025
Instrument	250007263

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2040

April 2024: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	FRANKLIN VA
Recording Date	Apr 12, 2024
Property Address	885 WHETSTONE RD, FERRUM, VA 24088-2712
Document Number	0012112098
Book / Page	1211 / 2098
Map Reference	MB 701 PG 1228
Instrument Date	Apr 12, 2024
Instrument	240002060
Transaction Type	Transfer
Record Updated	May 14, 2024
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$127.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	8885 WHETSTONE ROAD, FERRUM, VA 24088

Mortgage

Document Number	0240002061
Date	Apr 12, 2024
Instrument	240002061

Lender

Name	AMERICAN NATIONAL BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

Tax Assessment & Valuation

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	$1,195.00 (+12.21%)	$278,000 (+59.22%) Land $41,800 Building $236,200	$278,000 (+59.22%) Land $41,800 Building $236,200
2023	$1,065.00	$174,600 (-) Land $34,800 Building $139,800	$174,600 (-) Land $34,800 Building $139,800
2022		$174,600 Land $34,800 Building $139,800	$174,600 Land $34,800 Building $139,800

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Glo Fiber Fiber	1,000 / 1,000

Cell Coverage

4G LTE only, no 5G reported

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