919 Sago Rd, Penhook, VA 24137 Property Records

Franklin County property record for 919 Sago Rd, Penhook, VA 24137

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,025 sqft · built 1973
Lot Size	0.94 acres (40,946 sqft)
Owner	2 Individual Names on Record
Last Sale	$248,000 (Sep 2025)
Tax Bill	$771 (2025)
Deeds & Mortgages	Jul 2022 Line of Credit Sep 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`106 00-013 00`

Property Details

APN / Parcel Number

Primary APN	`106 00-013 00`
Alternative APN	`29821`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,025 sqft Living Area
Gross Area	1,517 sqft
1st Floor Area	1,025 sqft
Basement Area	1,025 sqft
Unfinished Basement	1,025 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1990
Exterior Material	Brick
Roof Type	Gable
Roof Material	Metal
Lot Area	40,946 sqft (0.94 acres)
Terrain	Rolling
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space
Deck Area	192 sqft
Shed	1 Shed

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	29821
Street Address	919 SAGO RD
City	PENHOOK
State	VA
Zip	24137-1244
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NZ
Legal Description	RT 611 & 652
Jurisdiction	FRANKLIN VA
Township / Civil Division	SNOW CREEK
Census Block Group	3
Census Block	3052
Census Tract	20902

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	919 SAGO RD, PENHOOK, VA 24137-1244
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2022	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Sep 19, 2025	Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 19, 2025 · Amount on Record
Deed Sale	Sep 19, 2025 · Amount on Record
Deed Document Number	20256161
Deed Book / Page	1234 / 2535
Record Updated	Sep 20, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	919 SAGO RD, PENHOOK, VA 24137-1244
Transaction Type	Mortgage
Record Updated	Oct 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	919 SAGO RD, PENHOOK, VA 24137-1244

Mortgage

Document Number	0011871704
Date	Jul 21, 2022
Book Page	1187/1704
Instrument	220005607

Lender

Name	TRUIST BANK
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN VA
Recording Date	Sep 19, 2025
Property Address	919 SAGO RD, PENHOOK, VA 24137-1244
Document Number	0012342535
Book / Page	1234 / 2535
Instrument Date	Sep 15, 2025
Instrument	250006161
Transaction Type	Transfer
Record Updated	Oct 20, 2025
Title Company	ANCHOR TITLE SML LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$124.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	919 SAGO RD, PENHOOK, VA 24137-1244

Mortgage

Document Number	0250006162
Date	Sep 19, 2025
Instrument	250006162

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

Mortgage

Document Number	0012342564
Date	Sep 19, 2025
Book Page	1234/2564
Instrument	250006163

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23452

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

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	$771.00	$179,300 (-) Land $24,000 Building $155,300	$179,300 (-) Land $24,000 Building $155,300
2024	$771.00 (+20.85%)	$179,300 (+71.41%) Land $24,000 Building $155,300	$179,300 (+71.41%) Land $24,000 Building $155,300
2023	$638.00	$104,600 (-) Land $17,000 Building $87,600	$104,600 (-) Land $17,000 Building $87,600
2022		$104,600 Land $17,000 Building $87,600	$104,600 Land $17,000 Building $87,600

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

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)
Starlink Satellite	280 / 30

Cell Coverage

4G LTE (outdoors only), no 5G reported

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