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

Franklin County property record for 94 Pine Bay Dr, Union Hall, VA 24176 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 3,101 sqft · built 1994
Lot Size	0.461 acres (20,081 sqft)
Owner	Individual Name on File
Last Sale	$790,000 (Jun 2020)
Tax Bill	$5,290 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Jun 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`048 11-046 00`

Property Details

APN / Parcel Number

Primary APN	`048 11-046 00`
Alternative APN	`15364`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	1 Story
Building Area	3,101 sqft Living Area
Gross Area	5,956 sqft
1st Floor Area	3,070 sqft
Basement Area	1,806 sqft
Finished Basement	1,625 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2005
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	20,081 sqft (0.461 acres)
Terrain	Rolling
View / Lot	Waterfront
Garage Area	712 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	128 sqft
Deck Area	150 sqft
Balcony Area	31 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	15364
Street Address	94 PINE BAY DR
City	UNION HALL
State	VA
Zip	24176-3788
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CONTENTMENT ISLAND LOT 49 SECTION 2
Legal Subdivision	CONTENTMENT ISLAND
Legal Lot Number	49
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 11-046 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	Individual Name on File
Mailing Address	10500 SWERLING WAY, RALEIGH, NC 27614-7432
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage NORTHPOINTE BANK
Jun 29, 2020	Warranty Deed, Transfer AMERIS BK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 29, 2020 · Amount on Record
Deed Sale	Jun 29, 2020 · Amount on Record
Deed Document Number	20204403
Deed Book / Page	1141 / 2502
Prior Transfer Date	Apr 25, 2013
Prior Transfer Doc	00103103213
Record Updated	Sep 20, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN VA
Property Address	94 PINE BAY DR, UNION HALL, VA 24176-3788
Transaction Type	Mortgage
Record Updated	Dec 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0011760030
Date	Dec 15, 2021
Book Page	1176/30
Instrument	210011598

Lender

Name	NORTHPOINTE BANK
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Jan 01, 2032

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN VA
Recording Date	Jun 29, 2020
Property Address	94 PINE BAY DR, UNION HALL, VA 24176-3788
Document Number	0011412501
Book / Page	001141 / 002501
Instrument Date	Jun 22, 2020
Instrument	4403
Transaction Type	Transfer
Record Updated	Aug 04, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	10500 SWERLING WAY RALEIGH NC 276147432, RALEIGH, NC 27614-7432

Mortgage

Document Number	11412503
Date	Jun 29, 2020
Book Page	001141/002503
Instrument	4404

Lender

Name	AMERIS BK
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 28, 2050

Interest

Rate Type	Fixed Rate

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	$5,290.00 (+5.38%)	$1,230,400 (+47.53%) Land $290,000 Building $940,400	$1,230,400 (+47.53%) Land $290,000 Building $940,400
2023	$5,020.00	$834,000 (+1.32%) Land $285,000 Building $549,000	$834,000 (+1.32%) Land $285,000 Building $549,000
2022		$823,100 Land $285,000 Building $538,100	$823,100 Land $285,000 Building $538,100

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
Nearby Flood Policies	31 units insured 24 under condo master policies

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 59 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Shenandoah Telecommunications Company	Cable	1,000 / 50
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: SML Wireless. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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